Q: Won't let me download games until a i put in a payment option when I don't have one

You must have some form of payment registered with Apple in order to download even free content through your iTunes/App Store account. If you don't have a credit card, other methods are available to you. See this support article for more information: Create an iTunes Store, App Store, or iBooks Store account without a credit card or other payment method - Apple Suppor…