I finally got this all sorted out!
So, (1) I did exactly as you recommended and I just uninstalled and reinstalled everything
AND, (2) I have figured out a way around the whole real-debrid payment issue! The thing to do is to create a PayPal account and apply for a PayPal “debit” card.
You can then use your regular, normal US card or bank account to place money on your PayPal debit card, which you can then use to purchase real-debrid by entering your PAYPAL DEBIT CARD info, directly into the real-debrid website!
So exciting