Why is my Apple Cash restricted

This is primarily a user-to-user support forum; other Apple users like you. See information in If your Apple Cash account is restricted or locked - Apple Support including the following:

If your Apple Cash account is restricted

Your account may be restricted if your identity verification fails multiple times, if there are multiple accounts tied to the same social security number, or if there's suspected fraud on the account. If your account is restricted, you can still transfer your Apple Cash balance to your bank or use it to make purchases with Apple Pay. You can't send or receive money, or add money to your account.

If your account is restricted and there are no instructions provided, contact Apple Support.