Cloning via SSH (Bitbucket, Github) and HTTPS (Github) is extremely buggy (especially M1 Mac, a bit better on Windows 10/11), especially when multiple accounts connected. It just never works without tricks with other git clients and is very long and nerve-wrecking to fix.

1) Bitbucket SSH is not cloning on Mac M1 at all. Bitbucket untrusted IP address seems to be one of the issues, Sourcetree is unable to figure that out (unable to ask to continue with untrusted IP (no idea why your IP are untrusted)) and endlessly displays loading circle.

2) SSH via Github and HTTPS is not cloning due to Sourcetree OAuth app asking single permission to read profile email from Github, workaround is to use a trick to re-authenticate with more OAuth app permissions.

Had issues a year ago, still on the latest update they are present.