I'm not sure what your problem is, I count 100 free templates. You just click on the selected template to download it-it is not pre-installed with Photoshop. Can you screen capture the dialog asking you to pay?
Incidentally, Adobe Stock is not an expensive scam and can be a valuable resource, particularly as you can work with a stock image before purchase which is something I don't think you can do with other stock libraries.
My problem is that these templates are not free as stated. Perhaps for someone that have a Adobe Stock subscription, but not for me that neither have or want a AS subscription. If I download any of the "FREE" templates I would unknowingly sign up for a costly Adobe Stock subscription, which also is pretty hard to cancel. It does not say anywhere that you sign up to AS, but the amount will start to draw from your credit card.
All you see is "FREE" which is false. Imo that is a scam, but if you are reluctant to that particular term, I can also go for fraudulent business scheme.
For one that does not need or want Adobe Stock, it is indeed super expensive. I'm not a business user, I fiddle around on my spare time and for a user like me any components I have that I have not asked for, signed up to, wanted or needed are expensive.
I attempted to replicate your issue and clicked one of the "free" assets. It popped up a "Licensed" dialog and then let me download. I did not have to pay anything. I think you might be confusing a free license with a paid license.
quite right Jeff, these are definitely free. Thanks for posting as I have an Adobe Stock account and couldn't be sure that I wasn't being given special access. Even with Adobe Stock after clicking on 'Licence' you are asked to confirm you want to buy, it's very hard to accidentally purchase.