It's really not, though. You don't even need an Apple account to set up a Mac.

I pay $3/month to Apple in exchange for full-quality backups of decades of photos, but I could easily stop doing that, or switch to another provider, if I wanted to. (I don't, because $3/month is extremely fair for what I get.) I've never paid for any other Apple service and likely never will. The OS never, ever nags me about services - compare that to Windows!