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by fredfjohnsen 2189 days ago
Every Apple ID requires a form of payment associated unless you specifically set it up without one.

https://support.apple.com/en-us/HT204034

An Apple ID has nothing to do with Apple Pay. Apple Pay is a separate service you can turn on if you want to, or, not.

The crazy ideas people have about Apple & anti-trust mostly have to do with pretty much everyone not really understanding Apple service offerings.