While I did provide a CC number when I first set up my account so many years ago, that particular card expired long ago, and I have never updated the information. Roku has never advised me it was out of date, and everything on my devices work fine. If all the workarounds offered still don't work, then use a card that is near expiration.
All that said, I agree with @Iona-D that Roku should simply put the Skip Step button back on the registration page and be done with it. If users decide they want to charge something through Roku, they can add a CC on their user account page.
Dan
Roku Community Streaming Expert
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