Block untunneled traffic option prevents my devices from establishing a connection

I'm not sure what I have configured wrong but I wasn't able to get either my W11 laptop and or my android phone to work. looking through the logs and configs I was able to get split tunneling working which I found odd. I noticed the "Block untunneled traffic" checked while testing the configuration on my laptop so I unchecked it and boom it establishes and full tunneled traffic works fine. So my question is what do I have mis-configured that would cause this?