FWIW I definitely did not not need to do anything like that to generate a key via AI Studio. It was like three clicks to get the free tier key, later on enabling billing was a few more plus typing in credit card info.
yeah, "enabling billing" is a whole other ordeal. Like it all makes sense, it's not that hard, it's just a lot of extra clicks where the competition doesn't require that. You can blow off this feedback as the user whining, but it's real friction and the competition doesn't have that, so users are going to go elsewhere if they can.
It was 3 clicks because you knew where to look for.