Hi Kyle,
If your Microsoft account is set up as a child (under 18), Minecraft might enforce parental controls.
You can check by going to your Microsoft account page → Your Info → and trying to edit your birthdate.
If you can’t change it, your account is probably locked as a child account. In that case, you might need to contact Microsoft Support, they can sometimes update your age after verifying your info. As a last resort, you could create a new Microsoft account with an 18+ birthdate and rebuy Minecraft.
Also, make sure to check your Xbox Family Settings — sometimes restrictions come from Xbox Live too.