Does anyone have any solutions for using a virtual background WITHOUT a green screen for customers who do not yet have a paid subscription account to zoom?

I tried many suggestions that are found online and everywhere - none thus far are helpful.

Also one suggestion said to try this but there is no such option avail as  turning on/clicking 'Allow users to upload custom backgrounds enabled in the Zoom portal under Account management'  on my end at all. 

Did zoom turn off the virtual background options because I signed up for my own account however, right now I am not a paying zoom customer?  normally Zoom allows anyone to use their product, however restricted, one must wonder if this is not one of the reasons. 

Also I checked the system setting that zoom claims you need to use the virtual background without a green screen - I am running Mac OS Catalina, which is 10.15.7, this is higher then the suggestion from zoom of '10.13 or higher ' - still the virtual backgrounds are not working and it keeps asking for a green screen - Why? when my settings are higher as it is.    

I have always been able to use my background (even on my mac), all of a sudden Zoom starts doing various updates and no backgrounds are working. I noticed unlike MsTeams - zoom does not offer backgrounds of their own to use, whereas when you open MS Teams they have some backgrounds readily avail that you can use. 

It is unclear to me why zoom did this in the 1st place, I just dont understand why they would want to do this to their customers whether paid customers or not. 

Should we all run out and purchase green colored bedsheets to use as a background or something, what should the rest of us do who work from home , have a family and need a background for virtual meetings?  Does anyone have any solutions to this problem?

After 10+ seconds of entering a meeting my zoom stops responding. I can still hear the other participants and the video still works for a couple minutes, but I can't click on anything as the application isn't responding. Audio normally continues to work for the next 10 to 20 minutes then the application completely freezes. 

I've reinstalled zoom, updated pc and drivers, and cleared cache. I've got no idea what's wrong. Please help.

Today I conducted a meeting for 20 participants using Gallery View. However, I could see only 12 thumbnails on the screen at a time. I had to scroll to the right to see the additional participants. How do I adjust Gallery View to see all 20 participants? (I can't find anything about this on the site after an hour of searching.)

Thank you!!!