Summary (for now):
Even though Moodle and mulitPHP Management show ea-php74, it works with the ea-php73.
I image that missing CAS was an issue.
I did mess up the signup.php file with my edits. Went back to original signup.php and it worked.
Thank you Ken for you help, it's really appreciate it.
Will update when I figure out which of my edits to signup.php.
Even though Moodle and mulitPHP Management show ea-php74, it works with the ea-php73.
I image that missing CAS was an issue.
I did mess up the signup.php file with my edits. Went back to original signup.php and it worked.
Thank you Ken for you help, it's really appreciate it.
Will update when I figure out which of my edits to signup.php.
ps. Since we have Bluehost plastered all over this thread, as of today, their shared hosting plans do not provide SQL 7 so you're limited to Moodle 3.9. Love them for my Wordpress sites, I'm sure there are better for Moodle.