I would like the option to remove the collection of payment when a product that costs nothing is added to the cart. Instead, make it dynamic so that if a product that costs money is added, then the payment will be required.

In the example I have included, when the first item that costs nothing is selected, the payment field is not shown and NOT required. When the bump product is selected, then the payment is shown and required.

This would be based on the selection of the box for the items being purchased.