Hello,
If you are not getting emails this is not an issue with the plugin, but with your OS setup. Unless you have set up sendmail on a system, emails will not work.
Since you are testing in a VM, it makes sense that this would not be set up, while on an actual live server provided by a web host, emails would work.
The easiest workaround I can think of is to forward emails through a gmail account. You can setup a plugin such as this one: https://wordpress.org/plugins/wp-mail-smtp/
It’s what I use in my development environment.
Once you get emails working, let me know what error you get with your withdrawals.
kind regards