"You cannot play multiplayer games online because of how your account is set up" error on Xbox Cloud Gaming
If you're getting this error, it means that your Xbox account has some account security settings limiting your access to online multiplayer games.
The first thing to check is your Xbox account's Privacy & Online Safety Settings (Opens in a new tab) to make sure your online and multiplayer settings allow for this kind of gameplay.
If you adjust your settings and continue to get this error message, please refer to this troubleshooting article (Opens in a new tab) from Microsoft, or reach out to their Support Team (Opens in a new tab) directly for further assistance.