fun fact: you cannot use apple pay at all without an icloud account, even if you don’t want sync or anything - you have to enable icloud just to do NFC payments.
@snow i'm not torturing myself in any way. if you don't like my updates, please don't follow me. i'm not posting for advice.
@snow i will mute you now, nothing personal. please email me if you have something non-shitposty to say.
Maybe you can just stop torturing yourself by don't use it?