Tree colliders won't spawn no matter what I do

I have a tree. I put a capsule collider on it. I place it in the world. It works. I drag and drop it into a folder to create a prefab. I add that prefab to my terrain trees. I place the tree. The collider doesn't work.

I've been googling this for a few days. Most people (who have this issue) aren't adding the capsule colliders. My tree prefab absolutely has a capsule collider on it. It works if I drag and drop the tree into the scene, but the terrain will NOT generate the colliders for the tree. Also, I do have "enable tree colliders" checked. I'm on Unity 2019.3.9 and this seems to be an issue a lot of people have.

Any ideas?