"You cannot play on Realms because of how your Microsoft Account is setup."

Essentially, Minecraft thinks I have a locked down child's account, but I do not. All of my privacy/protection settings are completely open, so there is no reason why I cannot access my own realm. Whenever this happens, I simply close down Minecraft and open it back up; if that doesn't work, I restart my Xbox, and the problem generally resolves itself. However, this time the problem keeps persisting. Please fix this ASAP, as I am paying money for a realm I can no longer access.