The family thing can be a pain, Microsoft has a lot of half baked ideas

I concur, Microsoft forced me to create a family to setup my daughter's Minecraft account and even then I had to configure it incorrectly to add the game because it's age rating was too high for a 5 year old and Microsoft's own parental approval feature doesn't override that. (I at least could change it back to being a 5 year old's account afterwards) I need to figure out what setting I have to enable to let her do multiplayer at some point but so far she doesn't have anyone to play with yet