Same issue that is in REALMS-10677. 

On XB1,  I keep getting a message saying I cannot join realms because of how my Microsoft account is set up. 

 I updated Minecraft to 1.19.20 and now I get the above message.  I can log in with my IPAD no issues, loads fine. (ipadios 15.5) (1.19.20)

But not on Xbox Bedrock Minecraft.

I get that same message appears on Worlds tab, Realm tab and Server tab(no servers appear).

 I have checked my account settings on both xbox and microsoft, all work because the ipad mc works with no issues or warning messages, (but checked anyways, all is well) if it was truly an account issue the message would be cross platform. 

***Nothing has changed in my account/xbox EXCEPT the last minecraft update from 1.19.10 to 1.19.20. ***

Also a NON child account.  

I did a complete delete of minecraft, reinstall, removed account from xbox, re-added, still the same thing. 

One thing I did notice that on the worlds/realms/server tabs, the number indicating how many of each do appear, 10 for worlds (local) 1 for friends in realms world, and 7 for servers. So it knows the realms, server counts, but... wont get past the message.  I get this looks like an account issue but like I said, if it was, the ipad minecraft would also receive the same message

So my money in realms is being wasted from a patch update.