Zoom backgrounds

I am using an individual Zoom account (not managed by an organization). When I try to enable virtual backgrounds in the Zoom app, the option is blocked or grayed out on the Zoom website, even though you are the account owner. I have already:

Checked and confirmed all account-level and group-level settings for virtual backgrounds.
Verified that your device supports virtual backgrounds (since it works with your personal account).
Signed out and back in, and reinstalled the Zoom app.
Ensured you are not signed in with multiple accounts.
Confirmed your account is not managed by an organization or IT team.
Despite these steps, the virtual background setting remains blocked and cannot be enabled.