Apple Pay not available, Mac Studio M1Max

Please create a new admin user account. Once logged into the new account try to add a card. If it you’re notified there is another Apple Pay account and do you want to reset it, say yes reset. Add a card. Once added, log out and go back to your original admin account, try to add a card. When it says there is already an Apple Pay account, do you want to reset, say yes and add your card. This should enable you to add cards.

I discovered the same issue on my Me Mac - I've never changed the security settings - how do I undo this? Sorry, but the "Please create a new user account" --try this, log out, log back in, etc instructions are not what I'm looking for--- I should not have to go through all of that - I didn't create this problem - Apple should have a fix for this beyond the above - I'm not trying to add a new card

So where do you want to go from here? I can try to repeat my instructions in more detail or I can refer you to Apple Support or Apple Retail Store and a Genius Bar appointment. What would be most convenient?

Im sorry my instructions didn’t work for you, but I’m happy to work you to find a solution.

All of the answers seem to refer to adding a new card - I am not trying to do that - I simply want to enable Apple Pay - I never knowingly changed security settings - at the very least, it should indicate what settings it thinks are changed so I can undo them -

You cannot enable Apple Pay without adding a payment method.

Set up Apple Pay - Apple Support

Please add context or user experience to your post. I have no idea what you’re trying to say.