Unable to get Apple Cash on my Apple Account

Do you meet these requirements:

• Be at least 18 years old and live in the United States and also indicated on your Apple Account.
• A compatible device with the latest iOS, iPadOS, watchOS, or visionOS.
• Two-factor authentication set up for your Apple Account.

Or:

• Is your device being managed by an Organizer of a Family Plan?
• Do you have a VPN installed?

Apple Pay, Apple Card, Apple Cash, Apple Account are four distinct systems. Explain in detail what you want to do. Do you want to add money to your Apple Account? Are you trying to add a credit card to your Wallet app? Are you trying to add money to your Apple Cash account? What?