i can‘t use opencode with a「no payment method」 error

### Description

os:mac 15.6.1 (24G90)
opencode version:1.1.13
Terminal：iTerm2

i can't start `opencode` cli , it just hang for a while, then I try to type `opencode run hello --print-logs` , there's a error :
<img width="1988" height="616" alt="Image" src="https://github.com/user-attachments/assets/8701f96d-2739-426b-bc93-4bb36fb64f68" /> 


