I can't accept a minecraft realms invite because of 'how your microsoft account is set up'

I have the same problem. Settings are set correctly, but my daughter can't connect to Minecraft Realms or even accept invitation.

I'm having the same issue with Realms! Whenever I try accepting an invite to one of my friends' realms, it keeps saying "You are unable to play multiplayer because of how your account is set up. Change your settings on aka.ms/accountsettings to allow this,"
but my settings are already set to "allow multiplayer."

Now it's telling me that I can't play on realms because of how my microsoft account is set up.

Hey there! You're going to need to verify which version of Minecraft you have. There are two on the Xbox One that you could have.

Minecraft: Xbox One Edition is no longer supported. It's playable, but it can't be found in the Store and does not receive updates. This version of the game does not have Realms access.

Minecraft/Minecraft: Windows 10 Edition/Minecraft: Bedrock Edition (All just different names for the same game) is the version with Realms that are cross-compatible.

Java version (only available on PC) is not compatible with Xbox.

If your child's friend has the Realm set up on the correct version of Minecraft, you just need a Gold Subscription. Realm hosts pay the monthly fee to keep the Realm online. The friend will need to invite your friend/add them as a Realm member from their
Xbox or PC, then your child will receive a little envelope thing on their Minecraft menu. That is the Realm invitation. Once that's accepted, they should be able to join the Realm.

Hey sorry but "Online Safety tab or the Privacy tab" isn't even on the page that you sent me to, it sends me to "xbox support" doesn't give me
any options to fix it. I have been trying to get mulitplayer on my account forever and can never i mean never find the fix to this problem, please help me.