What would cause an association to not load?

    message =
      Ash.load!(
        message,
        [
          :reply_to_email,
          :organization,
          :action,
          contact: [:account]
        ],
        lazy?: true
      )

   dbg(message.action_id)
   dbg(message.action)

[messaging.ex:27: Messaging.generate_message_content/1]
message.action_id #=> "4de83b17-700e-4608-a818-265e7ec6ad53"

[messaging.ex:28: Messaging.generate_message_content/1]
message.action #=> nil

    belongs_to :action, Actions.Ash.Action do
      public? true
      allow_nil? true
    end