Unuseable tab panels in user profile
From Joomla! Documentation
Websites without two factor authentication, updating to Joomla 3.9.22 results in a broken backend user profile edit page.
This pertains only to Joomla! version(s): 3.9.22
What is the cause
An issue was missed whilst testing the new two factor configuration for user profiles in the backend make the view unusable if no 2fa plugin is active.
How to fix
Update to Joomla 3.9.23. In the meantime activate Two Factor Authentication or you can apply the code change here to the administrator/components/com_admin/views/profile/tmpl/edit.php file.