CONFIRMED: There is a bug in part of the Messages app.
The Messages app parses the Apple ID for 'emergency services' keywords. My wife has an Apple ID she has had since just after MobileMe was killed. It was her old address from an 'external email domain', then required by the nascent iCloud system. An 'external email address' was required for the Apple ID. Her online email service provider didn't care, and macOS prior to one of the last updates for Ventura didn't care either. Until it did...
So if you have '911' in your Apple ID, someone sending you an image or link through 'Share' in the file menu can't. At the moment that the routine in Messages sees that the string '911' is in the ID, it pops up that message. Game over, unless they have an alias that doesn't have '911' in it. (Or potentially is not THE Apple ID)
Before clicking on the name, and being denied, click on the '>' symbol and choose a different alias of that Apple ID. THEN click the ID, and it will work. An engineer at Apple believes that if the ID is already in the system, a user can actually send content to that ID, but I haven't seen that in my experience.
So, it's an official bug.
Do I get a bounty for finding it? It sure is a strange one...