That's a bit of nonsense, the macOS Catalina and Big Sur are both upgrades:
Available as 'downloadable installers' from Apple servers. (That takes time.)
(Note: 32-bit software drivers which may be in your older Mac would need
to be upgraded to their 64-bit counterparts for use with newer than Mojave.)
hardware requirements:
system downloadable installers:*
- macOS Big Sur 11 can upgrade Catalina, Mojave, High Sierra, Sierra, El Capitan, Yosemite, Mavericks
- macOS Catalina 10.15 can upgrade Mojave, High Sierra, Sierra, El Capitan, Yosemite, Mavericks
These are to be found among others 'not offered' from the main repository online:
• How to get old versions of macOS - Apple Support
https://support.apple.com/en-us/HT211683
Read important details on how to download these; using Safari,
and other general information about them. There is more..
Should you need to make a bootable installer, requires
a second Mac of certain specs to make &/or use.
• How to create a bootable installer for macOS - Apple Support
https://support.apple.com/en-us/HT201372
*If you can get one of these later macOS install downloads
to appear in your Mac, that would appear in Applications
Folder. It may balk, or not; you may choose to see if Safe
mode on startup could help an installation. Might not be
needed; sometimes a simple restart helps anytime. [Just as
a bootable installer is not necessary.]
Be sure to have good backups on external USB (Time Machine).
• How to use safe mode on your Mac - Apple Support
https://support.apple.com/en-us/HT201262
Good luck & happy trails! ☺︎ ❄ ⚖︎ 🂡