Yeah so I opened unity WarZone, pressed "quickmatch" (went to a menu, pressed nothing, and went back) and it keeps automatically putting me in 21 coin games??? why??? I don't want to, the people I have matched up against have the same problem.

You need to move "Maximum Coin Wager" to 0

When you go to the QM menu, the option to invite you to MD games is checked. So go back to that menu and uncheck that checkbox.

already lost 63 coins, great.