Cannot reconcile some accounts

I'm trying to reconcile my loan accounts and the "Reconcile Account" option under Accounts for those accounts are greyed out. I read several threads and it seems that the only solution is to convert them to a liability account. Is this a bug? Or is it a lack of functionality? I want keep the loan option but be able to reconcile. Can you provide some insight?

Quicken Premier 2020
v 5.17.3 (Build 517.34913.100)
macOS 10.15.6

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