I am working in Aluffi's Algebra: Chapter 0 text. The following is a part of the proof that $\det(AB) = \det(A)\cdot\det(B)$ for any commutative ring $R$.
In order to verify this over every ring it suffices to verify the "universal" identity obtained by writing out the claimed equality for matrices with indeterminate matrices. For example, for $n = 2$, the statement
$\det\left(\begin{matrix}x_1 & x_2\\ x_3 & x_4\end{matrix}\right)\det\left(\begin{matrix}y_1 & y_2\\ y_3 & y_4\end{matrix}\right) = \det\left(\begin{matrix}x_1y_1+x_2y_3 & x_1y_2 + x_2y_4\\ x_3y_1 + x_4y_3 & x_3y_2+x_4y_4\end{matrix}\right)$
translates into the identity
$(x_1x_4 - x_2x_3)(y_1y_4-y_2y_3) = (x_1y_1+x_2y_3)(x_3y_2+x_4y_4) - (x_1y_2 + x_2y_4)(x_3y_1 + x_4y_3)$
Since this identity holds in $\mathbb{Z}[x_1,\ldots,y_4]$, it must hold in any commutative ring for any choice of $x_1,\ldots,y_4$: indeed $\mathbb{Z}$ is initial in $\mathsf{Ring}$.
I worked the details out on my own but I didn't use the fact that $\mathbb{Z}$ is initial.
If we let $A = (x_{ij}),B=(y_{ij})$ be $n\times n$ matrices of indeterminates, then define a polynomial in $2n^2$ variables given by
$d(A,B) = \det A\det B-\det AB$
Given two matrices $M=(a_{ij}),N=(b_{ij})\in\text{Mat}(n;R)$, there is an evaluation function
$e:\mathbb{Z}[x_{11},\ldots,x_{nn},y_{11},\ldots,y_{nn}]\rightarrow R$
sending $f\mapsto f(a_{11},\ldots,a_{nn},b_{11},\ldots,b_{nn})$. Since $e$ is a ring homomorphism, $e(0) = 0$ and $d = 0$--this I worked out too--$e(d) = 0$ which shows the determinant formula in any commutative ring.
My questions are:
How is the fact that $\mathbb{Z}$ is initial in $\mathsf{Ring}$ used in the original proof?
When does it come into play in my argument?