Why am I not allowed to do a month to month payment anymore?

I had to update my credit card and I forgot to log on and change the info with Adobe. So when it came time to be charged of coarse they were unable to do so. I received an email stating this but when I go to manage my account to update my credit card info it doesn't show that I had a membership and the only option is to purchase a new plan which requires 1 year in advance. Really? Clicking on customer service is just maddening, it goes round and round telling me to do the same thing over and over which is completely useless. The subscription based service is bad enough but not being able to actually talk to someone will be the death of it. just say'in...

The php.ini file can be accessed by various file paths, including via its traditional /etc/php.ini location and by the /private/etc/php.ini path referenced in this thread, and this is a protected system directory, and the files in this location can only be modified with root access (whether via sudo or with the root user when enabled) or by reconfiguring the access control lists or protections on the files and directories to allow access.
To locate the file, use the locate command:
$ locate php.ini
/private/etc/php.ini
/private/etc/php.ini.applesaved
/private/etc/php.ini.default
/private/etc/php.ini.server-default
$
For details on the Mac directory and file structure layout, there is a write-up here; that goes into the various directories that exist on Mac OS X and Mac OS X Server.
While I am well aware a user should not require sudo to access files in a user's home directory, there are cases where a user is accessing .bash_profile in other users' directories, and this too can require sudo.   I've also encountered mis-protected login directories, though these are less common.
The setup that OP was encountering appeared to be triggered by standard system security, and these sorts of details are discussed in the security manuals for the various releases, as well as the directory and file system link above.

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