Load Failed: An Unknown Error Occurred [Xbox One X]

Played yesterday no problem. Today I’m stuck at the attract screen with 5 minutes of “thinking” about loading and then “Load Failed: An Unknown Error Occurred”. I’ve rebooted the console in every way imaginable. I’m using the only account I have, the one I bought it with.

I’ve seen this problem reported here:
https://forums.forza.net/turn10_postsm974288findlastpost_LOAD-FAILED--An-unknown-error-occured--Please-try-again-later--on-Xbox-one-X.aspx#post974677
https://forums.forza.net/turn10_postst132821_LOAD-FAILED--An-unknown-error-occured--Please-try-again-later---Xbox-One.aspx
https://forums.forza.net/turn10_postst94640_-load-failed-an-unknown-error-occurred--please-try-again-later.aspx

Why does this always happen with Horizon games for me? I had something very similar happen with Horizon 2 and had to delete that save and start from scratch. Don’t make me do that again or you guys are gonna need to credit my account something like 60 million.