I’m in the exact same boat as you. My character is not within proximity of any treasure coffer. I play through the Game Pass, and every time I try to log into the official server I play at, I can only stay inside the server for about 3-5 seconds, then it kicks me back to the main menu. The server message of the day also appears for me. No other message or error alert shows up. The items in my inventory don’t show up properly and I think opening my inventory actually contributes to my session crashing and kicking me out to the main menu.
This is what happens when I try to log in:
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