Hello heschoone,
We'd start by isolating this behavior further. You can do this with safe mode on the Mac. Here's how:
How to use safe mode on your Mac
How to use safe mode
Determine whether you're using a Mac with Apple silicon, then follow the appropriate steps:
Apple silicon
1. Shut down your Mac.
2. Turn on your Mac and continue to press and hold the power button until you see the startup options window.
3. Select your startup disk, then press and hold the Shift key while clicking “Continue in Safe Mode.”
4. Log in to your Mac. You might be asked to log in again.
Intel processor
1. Turn on or restart your Mac, then immediately press and hold the Shift key as your Mac starts up.
2. Release the key when you see the login window, then log in to your Mac.
3. You might be asked to log in again. On either the first or second login window, you should see ”Safe Boot” in the upper-right corner of the window.
Navigating in safe mode is slower than a normal boot. Safe mode runs a check on the disk and prevents some software/extensions from running to help isolate issues.
After attempting to sign in to iCloud in safe mode restart the Mac normally and continue testing it out.
Should it persist, did you scroll all through the terms and conditions to the very bottom? Do you have other users on the Mac? If so, are you able to sign in to iCloud successfully in another user? Did you or your husband restore any content to the Mac, from a backup? That may give us more insight into the issue.
Hoping this helps out, take care.