Most likely you were on an older legacy 2019 Family plan which allows for TOTP for items stored in the Organization but not for your personal vault unless you also paid for premium individually.
As the documentation states, the newer plan while being a higher base cost, also extends to provide premium benefits to all of your family members. So you only have to pay for a single family premium license and not also have to purchase a separate premium license for your individual user vault.
I was indeed on the 2019 Family Plan. The features of this plan is all I really needed.
The only features I really need are:
2FA authenticator TOTP codes
linking passwords between family members
The old plan provided these features. But now the 2FA TOTP feature is only available for premium accounts. I don’t need any of the other premium features. But with the new Family Plan, I am forced to have all the premium features. Maybe one day I will need these, but I do not need them today.