I’m me would think… I fought for this really hard and even cancelled the order. They called an explained they just don’t have the capabilities that a typical dealership has and yes it sounds as ridiculous as it is. I reordered after refinancing my paid off vehicle to get some of the cash out.
So I had a similar situation. I ended up taking out a loan on my paid off vehicle a week before signing the lease and trading my vehicle. It felt amateurish for Rivian to require this to get the full value but it worked.