How do I bypass entering a payment method

You don't. You need a valid payment method on file with Apple, even for free apps. You won't get charged for free apps but a payment method is needed for ID purposes and in-app purchases.

Apple requires a current valid payment method......even if you only want to download free apps....(which you find are not often really "free" at all).

Sorry, but that is the way it is and the way that it will be.