Restrictions Enabled on Adult Apple Account

This has happened to me twice now- once on iOS 18.4 and previously on an older version. I have a child account linked to my Apple Account. The child has their own Apple Account. The child has multiple restrictions and screen time settings. Last night, I placed my phone down and went to bed at 1am. When I woke up 8 hours later, multiple apps have been "restricted" and even my Lock Screen shortcuts were removed. I finally got ahold of Apple Support who asked me to check my own screen time settings. Sure enough, they had been toggled ON. I would never. I didn't even realize you could do that on an adult account. Obviously I know about different DND filters but this is crazy. When I toggled the setting OFF, all my apps came back but they are completely in disarray. All the folders and things? Empty and the apps are spread across multiple (4+) home screens when I only use 2. There is no way I turned this on in my sleep. Let alone- ever. I didn't even know it was a thing.

I can only assume this is happening because of the child account being linked. I do not want to delete my child's account and I can't remove it either because Apple doesn't let you (yes you can transfer).

This is maddening. The last time it happened I did a factory reset. Took hours to do as I have a very large amount of data on my phone. But that did not fix the apps in folders issue. I still had to re-do whatever got messed up. For me that would be these folders: social, health, food, finances, home, entertainment, photography, travel, games, plants, career and fitness. So you can imagine how stressful this was to wake up to. And then to be told that only a device signed in with my Apple Account could have enabled the restrictions. Well, one of those devices hasnt been used in weeks and isn't even charged (MacBook) and the only other device is my phone. So if I didn't do it, who did? There are other users experiencing the same thing- why is this not being addressed by Apple?