"Cannot play on realms because of how microsoft account is set up"

Hello, I am Isabel, and I recently came across a problem, as I was trying to play MC (Windows 10) with a friend. My Friend doesn't have Wifi, so I was trying to make my world on Realms- however, when I clicked on Realms > Add 2 Players - it said "Cannot play on realms because of how microsoft account is set up". I looked all over sites, reset my computer, fixed my Teredo, Uninstalled and Reinstalled MC, updated my Microsoft Account all to On, restarted my PC, followed the link provided and found no answers- checked my Xbox account ect. None of it worked. I'm hoping to play with my friend asap- if anyone knows how to fix this, please help!!! I'm grateful for any advice! Thank you for your time.