Why do I need to verify my credit card info if an App is free?

Why do I need to have a valid credit card in my Apple Account if an App is free? For example I have been trying to download the free app to Google Earth to my iPad2. I really want to just delete my credit card except for those few times when I buy something. I don't want it on my iPad2 all the time. I know there is a way to do this as the woman at the Apple store did it for me, but now I don't know what steps she took.
Thanks very much.

Because even a free app is recorded as and is considered a purchase for accounting purposes. You receive an email receipt for the free purchase or download, etc.
Your credit card on file is not on your iPad all the time. It is stored on Apple's iTunes servers only. No one that uses your iPad or that has access to your iPad in the even it were lost or stolen can't access your credit card number and other required info in order to use it. In order to download a free or paid app, you must manually enter your iTunes account password, which no one else knows or should not know.
http://support.apple.com/kb/ht2534

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