Hello ArthurSmith-8361,
Welcome to Microsoft Q&A forum. It's my pleasure to help you.
I understand your frustration about the restriction of the Family Settings. The age restriction and family settings was meant to protect younger users from inappropriate contents. I fully get it that it could be inconvenience for adult users, however, this is necessary so young user cannot easily bypass the system.
While access for community forum admin is limited. I'll see what we can do to help you with this. May I have a photo of the situation you're having to better understanding the situation? Please remember to remove all personal information before posting.
Additionally, could you please go to account.microsoft.com/family and log in with your account to see if it is currently in any family group?
I'm waiting for your reply so we can work on it together.