My iPhone wont let me buy music why?

Everytime I go into iTunes and try to buy music it won't let me.
First it'll pop up saying you have insufficient funds(can't it go straight to your billing)  ;ask for my password for my apple I'd and then it'll take me to my account setting where everything is filled out how my dad wants it and then ill click done and it'll just repeat the process over and it's really really annoying and I just want some music. Why is this so complicated?

Ive got the same thing atm but it takes me to my billing information but its all updated and still wont let me

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