Hi Bigmama1234,
welcome to the Apple (user-to-user) Community!
Re: Toca world purchase not working
Check there are no restrictions set in ScreenTime that are limiting : (eg: for age limit or in-app purchases)
(ie: Check: Settings > ScreenTime > Content and Privacy Restrictions > iTunes & App Store Purchases.
or Settings> Screen Time > Content & Privacy Restrictions > Content Restrictions.
Also check your device is updated to the newest compatible software available.
Eg: Look in Settings > General > Software Update ... to see if an update is available.
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Wondering if you are using this "toca life world" App from the App Store:
https://apps.apple.com/us/app/toca-life-world-build-a-story/id1208138685
It says the app is free, but the in-app purchases have prices listed.
You may need to have a payment method listed in the Apple ID account that you use for purchases from Apple:
You may need to check you are signed in (to your device) with your Apple ID:
Sign in with your Apple ID - Apple Support
See what payment methods Apple can accept in your country or region:
Payment methods that you can use with your Apple ID - Apple Support
Also: How to Add a payment method to your Apple ID for purchases:
Add a payment method to your Apple ID - Apple Support
All the best :-)