What is the problem with the Apple ID?

Question

Over the past year Apple forced me to reset my password about seven times.  I am getting sick of the issue.  The system constantly tells me the password email combination is not correct.  If I try the security questions they are not correct.  I kept the same email address for the past fifteen years.  I write down the password and security questions on paper because Apple forces you to associate a credit card with your ID.  The next time I try to do something it is the same all over again.  WHAT IS THE PROBLEM APPLE?

Answer 1

The information about the credit card is useful.  I deleted my credit card information.  That shows how frequently I log into my Apple ID.  Originally, maybe decades ago, you could not get an online Apple ID without associating a credit card.  I never bothered to check if that requirement changed.  I remember it very distinctly because it upset me that they required a credit card number.  Other Apple product users in my family (previously four) remember the requirement.  While all four members of our family still use iPhones everyone else has migrated back to PCs after years of using Apple laptops and iMacs.
Unfortunately, your answer does not help anything else.  There are frequently long spans of time, days - weeks, between my attempts to log-in to my Apple ID.  I am definitely not logged into the account when I get the message that the ID and password do not match.
I am also aware that these are user to user forums. Just because I ended with "WHAT IS THE PROBLEM APPLE?" does not mean I expect Apple to reply.  It is a rhetorical question.  I do not expect anything from Apple unless I am willing to pay through the nose for it.
I understand that grammar is no longer a consideration in the American conversation but is should be Apple is not "Apple are".