Anonymous Checkout Allowed Is Not Working

I've checked the "anonymous checkout allowed" button (Configuration > Settings > Order Settings) and our site PuggyPrints.com is still requiring the customer to register/login when ordering. Can someone please help me find where to fix this issue?

I'm using nopCommerce 4.0 and have tried on several themes.

Have you tried it with the built-in / out-of-the-box Theme?

I just found out the solution. I needed to uncheck "Require registration for downloadable products" under Configurations > Settings > Customer Settings. Everything is working correctly now.

I am seeing the same problem, but not with a downloadable product.  The problem is due to this code in ShoppingCartController.StartCheckout():

var anonymousPermissed = _orderSettings.AnonymousCheckoutAllowed 
                                     && _customerSettings.UserRegistrationType == UserRegistrationType.Disabled;

Apparently, it only respects the AnonymousCheckoutAllowed setting if user registration is disabled?  What sense does that make? Why can't I allow user registration but also permit guest checkout?