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I believe you, but the OS told me to upgrade to El Capitan using the App Store and the App Store told me I had to log in to iCloud and iCloud told me I had to give it a credit card. I believe you that there is a way around it, but there is also a way around getting upgraded to Windows 10. If the OS doesn't tell the average user about it, it's not part of the UX.

Recent OS upgrade experiences show that this is happening.

Windows 10: will upgrade your computer while you are sleeping without consent

OSX El Capitan: free upgrade requires you to create an account and type in your credit card number