Hey there. Cross-save does not merge accounts. As mentioned in the final checklist that you ticked before activation, "I understand that Cross-save does not merge characters and account data together. The characters and account I selected as my Active Cross Save contains the characters I want visible across all linked accounts". You selected PSN as the Active account, meaning the PSN character is what you see on both PSN and XBox. The XBox guardian is currently dormant and inaccessible. As Swat has mentioned, one other thing you agreed on was the cross-save cooldowns, one of which was for deactivation in the case of Silver purchases. Unfortunately as mentioned, these cooldowns are mandatory and unskippable. Once the cooldown elapses, you'll be able to cancel. The PSN character will become PS-only again, the XBox character will become active again and playable on XBox.