Cannot play on realms due to how Microsoft account is set up

So I play Minecraft bedrock on Xbox. And when I logged in it told me I cannot play because of how my Microsoft account is set up. This came out of nowhere even though I had not made any changes. I looked through my privacy and online settings, and on windows 10, and Xbox everything is set to allow/everyone. I tried restarting my Xbox, logging in and out, I’m not on beta, I have a stable connection, I have Xbox love, just about everything but I cannot seem to find an issue. Is this a bug? What could be the issue? Could it be caused by one of my other Microsoft accounts that are on the Xbox? The other accounts have the same problem

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Came here looking for an answer but nothing showing how to actually fix it when all the settings are on allow already. From googling the issue there seems to be thousands in the same boat and the issue lies with Microsoft, it happened both myself and my brother this morning when playing and kicked us out of our games with other players and that message popped up. Have checked all settings on both accounts and everything is set to allow, signed out and back into Minecraft, signed out of Xbox account, shut down Xbox back on again, uninstalled and reinstalled Minecraft and still no matter what getting the same message and to get parent to sign in and change settings which it isn’t a child’s account. Any chance someone has successfully rectified the problem? Bit of a joke this is happening and needs sorted by Microsoft to prevent happening anymore customers!!!