The Gaming Services pretty much ties your offline info with your online info and profile. It looks like someone pushed out a patch for GS without actually making sure they didn’t bork something.
Since GS is the thing that communicates with the servers, negotiating between your local client and MS’s gaming XBox servers, so FS cannot communicate properly.
The GS bug reported (UI Broken and Reset User Settings) obviously ties in pretty heavily with the sim and for some reason, forces the sim to behave in a strange way, resetting all previously saved settings & not communicating profile requests properly, such as purchases.
I definitely believe that this has very little to do with Asobo, apart from maybe relying a little too heavily on MS and their gaming servers to handle purchases (just call to Orbx instead??), and a lot to do with MS’s latest update to their Gaming Services.