iCloud Keychain refuses to setup on Catalina I'm running the macOS Catalina public beta on a partition of my 2012 MacBook Air. I've been trying to get iCloud Keychain to work (the only thing holding me back from upgrading my main partition), but when I click Set Up it asks me to setup 2FA, then, when I deny (because I don't have an iPhone yet and it would be really annoying) it says "Are you sure?" and then when I say yes it just says "Setting up" which continues for eternity. I've checked on my other device (2011 iMac running High Sierra) and there are no popups or anything. Video of my troubles.
I have come up with three hypothesise:


Keychain now requires 2FA
It's a bug
I am being stupid


If it turns out to be the third one, what am I doing wrong?
System specs:
If you see an error like this and cannot continue, one easy fix is to sign out of iCloud and then sign back in.



I'm still perplexed and not sure what ithe dialog wants to Upgrade since my password contains all the correct characters and I already have had two-factor auth on my account since it came out. :D

Also, if the date / time is off, you might check that if you get iCloud errors or can't sign back in once you sign out.