How come I have to pay for my apps

You need to have a payment method on file, even if the app you want to download is free.

See the following Apple articles:

Payment methods you can use with your Apple ID

Payment methods you can use with your Apple ID – Apple Support (UK)

Change, add or remove Apple ID payment methods

Change, add or remove Apple ID payment methods – Apple Support (UK)

Add money to your Apple ID balance

Add money to your Apple Account balance – Apple Support (UK)

If you update your payment method or add funds to your Apple ID balance, It would take about 1 to 3 business days in order to process.

If you're still unable to update your payment method, Contact Apple Support.

Click here for more support and assistance.