@Randall3780, you don't have to, but they don't make it obvious how to skip that step. If you haven't created your account, use this link: https://my.roku.com/signup/nocc
If you've already added a payment method, you can always remove it. Roku's response would be that they're trying to make your life easier when you want to subscribe to something.
@Peter1949, what do you mean by, "why does Roku now take over the whole streaming experience"?
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