I don’t have an Apple Cash option
My Apple Cash doesn’t work I don’t have an option for it
iPhone 11, iOS 16
Question marked as
Apple Cash is not avaliable in all countries, it is only avaliable in the US and you must be 18 years or older. If you live in the US and you're 18 years or older, I suggest that you check your birthday settings in your Apple ID to see if those are correct. See this link for further reference on how to do that.
Update the birth date associated with your Apple ID - Apple Support