Hello why can I not use the money in my Apple account

How App Store and iTunes Store purchases are billed - https://support.apple.com/HT201359

Some purchases aren’t charged to your Apple ID balance

- If you're in a Family Sharing group, purchases are charged to your personal Apple ID balance. If you don't have enough Apple ID balance to pay for the purchase, the remainder is charged to the family organizer's primary payment method.

- You can’t charge gifts to your Apple ID balance. If you send a gift or gift card, your primary payment method is charged.

- Some subscriptions might not be charged to your Apple ID balance.