Sign-out is not available due to restrictions

I got a new iPhone 15 pro and when I completed the setup, 2 things happened:

1) I could not sign out of my main appleID "due to restrictions"

2) I could not add additional iCloud mail accounts (it gets stuck on the verifying part)

More context: I am the family admin on the account and screen time was off in any case. This was the same as with my previous phone and other 5 devices. I spoke to apple on the phone and the recommendation was a complete factory re-install (installing from backup led to the same result). So I did that and spent another 2 hours setting up the phone. Restrictions were fine for about a day and then unilaterally popped back on. Still can't add my other accounts.

So now I am back to the start, clearly something more than screen time (I also tried resetting wifi and mobile settings). Any help appreciated, between this and the fact that the USB-C doesn't work with CarPlay either I am ready to return the phone.