The first guess is correct. It is just you.
The process is clear and not complicated.
You might try actually talking to the professionals in the dive shops rather than trying to avoid human interactions and working only with apps and your guesses and assumptions.
I think that's unduly harsh and viewed from the perspective of a very experienced diver who forgets what it's like to be new at this.
I'm a software developer, been using computers and writing code since the late 70's. I was unable to figure out the overall work flow from PADI's web site. There's enough specific detail, but the big picture is lacking.
My instructor guided me through it. OP didn't have that benefit, and I understand his frustration.
Hell - I just wanted to get a dive table. Started at PADI - why not? Should be there, right? Couldn't find it. Ended up going to Amazon to get PADI table...