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Holdout settlement cannot pay coloured mana when paying for a cost.
If you have Holdout Settlement and an untapped creature onboard, you can use Holdout Settlement to tap the creature and add a coloured mana pip to your mana pool if you aren't in the process of paying a cost.
However, if you cast a spell, then click Holdout Settlement, it only treats it as paying < C > from the cost. It doesn't give you the option to tap a creature to pay a coloured mana pip instead.
I do have the flag set that doesn't show me choices if there is only one option Probably not relevant, but just in case.
[[Holdout Settlement]]
Holdout Settlement - (Gatherer) (Scryfall) (EDHREC)
Land {T}: Add {C}. ({C} represents colorless mana.) {T}, Tap an untapped creature you control: Add one mana of any color.
What if you only have colored pips left to pay? Will it let you then? Or only when there's generic left?
I think it will just add a colourless pip to your mana pool but am not certain. (I think that is what happened the first time I tried it when I noticed the problem - but cannot guarantee my memory is correct.)
I also had the same thing happen with [[Abandoned Outpost]] I needed to pay red - but to use the sac ability to do so, I had to do prior to casting the spell.
- I cast a spell for { 2 } { R }.
- I click Abandoned Outpost - it just taps and reduces the cost to be paid to { 1 } { R }
- I cancel - so there is no longer a spell on the stack.
- I click Abandoned Outpost and are presented with the options, of which I select sac and create mana of any colour - I choose red, which goes to my pool.
- I cast my spell (needing { 2 } { R } ).
- I click the red mana in my mana pool.
- I click two more lands to pay for the two generic.
Abandoned Outpost - (Gatherer) (Scryfall) (EDHREC)
Land Abandoned Outpost enters the battlefield tapped. {T}: Add {W}. {T}, Sacrifice Abandoned Outpost: Add one mana of any color.