Me too, it just started doing this today (11 Dec 22) after I had to power off. The highlighted work around isn’t great for me since my Home Screen isn’t a photo, it’s an ombré in grey. I can’t cope with a photo behind the widgets.
I’m wondering if part of this issue stems from importing the settings from my previous phone, rather than them being a choice on the new one? (I’ve gone from an 8+ to a 13pro). I can’t find any other screen setting allowing you to choose a colour over a photo. Honestly, not everything needs updating all the time!
For those who can’t find the original wallpaper photo on their phone, did you migrate your photos on a phone upgrade too?
edit: I’ve now found the colour choices but struggling to have colour on my Home Screen and photo on Lock Screen - even though it says customise them individually