Does procreate come with the iPad

No.

It is a paid app from the iOS App Store.

Most of the better, comprehensive and powerful sketching/drawing.painting apps are all paid apps from the iOS App Store.

No.

It is an app you have to pay for.

That is what “paid app” means.

You need to setup Apple ID and password, add a credit card to your Apple ID account to use with the iOS App Store, iTunes Store or Apple Store apps.

You have to pay to download and use Procreate