My phone will not let me enable Apple Cash. I have connected my card. Restarted my phone. Updated my phone. Upgraded the iCloud storage on my phone. Signed in and out of my iCloud account. Nothing is working. Any guidance would be much appreciated

Hello,

Do you have two-factor authentication turned on for your Apple ID?

Set up Apple Cash - Apple Support

“What you need

• Be at least 18 years old and live in the United States.
• Have a compatible device with iOS 11.2 or later or watchOS 4.2 or later. 
• Set up two-factor authentication for your Apple ID. 
• Sign in to iCloud with the same Apple ID on any device that you want to use to send or receive money.
• Add an eligible debit card in the Wallet app, so you can send money.“

Since you mention iCloud storage, I wonder if you enabled iCloud Messages rather than iMessage. This part of the article that you started this question from shows where to check iMessage.

“Make sure that you sign in to iCloud and iMessage with the same Apple ID on any device that you want to use to send or receive money:

• • iCloud: Tap Settings > [your name].
  • iMessage: Tap Settings > Messages > Send & Receive.“

I hope this helps.