You can only claim the $125 cash if you affirm that you're already paying for credit monitoring. While I don't expect anyone to confirm your claim, you do have to sign your name to a legal document stating as much. You can make additional compensation claims if you suffered actual damage or spent time dealing with the breach, but as I could not honestly claim such, I don't know what that part of the process entails.
but this is stupid. Individuals keeping an eye on their credit history and every change should be counted as credit monitoring.
Already have credit monitoring due to one of the infinity of other breaches.
Many services offer credit monitoring for free, eg credit cards, CreditKarma. You don’t need to be paying for it to be eligible for the cash payout.