Why can't I use my money of my Microsoft account

Hi there! I'm more than happy to help you!

Kindly try to purchase the Xbox subscription in a web browser using a different device such as a Windows PC/laptop or mobile phone by signing your account using this link:

https://www.xbox.com/en-us/games/store/xbox-game-pass-core/cfq7ttc0k5dj

Also, make sure to change which type of subscription would you like to purchase if it's an Xbox game pass core, Xbox game pass for PC, or Xbox game pass ultimate.

Ensure to match the region of the Xbox store link to the same region on your Xbox account for a successful purchase.

Thank you for your kindness and understanding! Please feel free to let me know if you need anything else.

Best Regards,
Darhyl

You should be able to use the currency in your account to make the purchase on your console. However, please be aware of the amount of tax in your region. The cost of the first item may have been $24.99 but you would need to add on the taxes. It may be
that you no longer have enough in your account to cover the full cost of the 2nd game.

To purchase xbox 360 bc games from xbox one you need a valid method of payment (like credit card or paypal). This happens because the xbox 360 emulator in xbox one uses the same rules as the marketplace.

Why can't I buy it with my money on my Microsoft account? Can any one help me?

That is the most ridiculous thing I've ever heard of. Money is money! Money in an account should be able to be used for a gold membership. The subscription could simply cancel when the money runs out. Very nice of Microsoft to put limits on my money.
Why can't you be versatile? Fail Fail Fail