This is the huge disconnect between what the fediverse is and what the users actually want.

Users want the convenience of a single entity that floats around the different instances. They want to interact with community A on instance B and also commini X on instance Y.

But most clients deal with it by letting you log in with multiple users on multiple instances

You can choose not to connect a Roku TV to the Internet during the initial setup, and you just get access to live TV and the HDMI inputs with (obviously) no streaming channels or updates. It works fine as a dumb TV.

And the credit card thing? That’s after you create your account on their website, you can just close the browser window. Or click the button saying “skip” or “later” or whatever it is.