yeah, "enabling billing" is a whole other ordeal. Like it all makes sense, it's not that hard, it's just a lot of extra clicks where the competition doesn't require that. You can blow off this feedback as the user whining, but it's real friction and the competition doesn't have that, so users are going to go elsewhere if they can.
I signed up for AWS (SES) recently for the first time and find their whole thing confusing as heck too. Signed into the wrong region and they pretend they don't even know who I am.