I'm having the same issue and it's January 2021.  I have 3 invoice templates options and as Admin I don't do the invoicing and our Standard User can't access this feature.  How is this considered efficient and a good way to run our business?  I was on chat today with a representative and they clearly didn't have any indication that this feature is disabled for Standard Users.  I was instructed to go into the templates and fix them there.  That's not the solution, because when I logged into my employee's account they can see and try to edit the templates, but it won't them save it because of user restrictions.  Honestly after being a Quickbooks Desktop user for over 20 years, this last year of using QBO has been a horror show.