Changing Startup Utility Settings for Apple Pay

Yes, it is, but in System Preferences, if I go to turn on Apple Pay I get this

All the instructions seem to indicate that this can be changed in Recovery Mode in Startup Settings Utility. I did that changed everything to the default settings including Full Security, but the System Prefs behavior doesn't change. I thought I saw in passing somewhere, though I can't find it now, that this could only be set at system installation, but I find that hard to believe.

Yes, File Vault is on. Really? You have to turn it off to use Apple Pay? That seems just wrong. Shouldn't there be a way to add Apple Pay without decrypting the drive? Everything else can write files to the drive and access them when I'm logging into it with my system password.

Thanks very much for sticking with this Barnabas. I tried turning off File Vault, but it made no difference. Let me see if switching off and rebooting will change the behavior. I'm afraid it's somehow related to the T2 chip programming.

Thank you very much.

That was it. Thank you so much for your effort in doing this. It's incredibly appreciated.