Unable to use Apple Pay on Sequoia with notice of payment address update requirement - workaround

You may need this workaround if:

1. You had a .me email address at one time (so Apple assigned you an .icloud email as well)
2. You tried to use Apple Pay with Sequoia and got an error message about needing to update address (sorry, can't recall exact wording).
3. You can't change email address because the drop down for is grayed out.
4. You have 'hide my email' enabled.

The workaround is:

1. Uncheck "hide my email" . You can now set an email address.
2. Set email address to your .me email, not your .icloud email.

It should now work.