Are you using 'payment' where it asks you to sign-in w/ iCloud? Cause those aren't the same, and I've never seen a macOS install ask for payment information. I

Are you using 'payment' where it asks you to sign-in w/ iCloud? Cause those aren't the same, and I've never seen a macOS install ask for payment information. I just re-installed on a M1 three days ago, nevermind a macOS user of the last 6 years.