[Schlaefer]

> There's also stuff that's just straight-up bullshit. I've never seen an ad in the settings pages.

Here's my iOS 15 update experience as someone, who doesn't use any other Apple services:

https://i.imgur.com/bAAePuG.png

The only way to "Finish Configuration" was to click on a "Setup Apple-Pay" link. That isn't even an ad anymore, that's a dark pattern.

[avianlyric]

What does clicking on that button do? Apple Pay isn’t a subscription service, it’s just allows you to provision 3rd party cards on your device.

[Schlaefer]

Afair (alas it didn't make a screenshot there) it was Apple-Pay onboarding but that dialog had a Abort or Later option.