iPhone can't show my wallet app during its lock screen due to lack of Apple Pay's card setup?

Hello,

Is there really no way to have my iPhone 12 mini's iOS v17.5.1's Wallet app, during its lock screen, to show up
after double clicking the right physical button without a credit/debit card set up for Apple Pay?
https://www.iphonelife.com/content/how-use-apple-pay-your-iphone-lock-screen says so. :(

Thank you for reading and hopefully answering soon. :)
--
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