Point and click method: In Xcode 13 beta 1, you can click on the compile time error for "*** is only available in iOS 15.0 or newer" over on the right hand side, the red error button. Red dialog opens, scroll down to "Add available attribute to enclosing struct" click fix, done. Thanks @ihaze for helping me figure this out.

12/22/2022 This fixes the error about recordName not being Queryable in CloudKit Console.

Fresh macOS install, followed JetForMe's advice and downloaded intermediate certificates from https://developer.apple.com/account/resources/certificates/add "System" gladdly gobbles certs. Didn't try "Login," "iCloud" fails.