Unable To complete Purchase / Apple Disabling My Account After Asking for Support

After I get the "Unable to complete this purchase" error I get Apple's support. The long discussion finally results in my account getting disabled for security reasons which sound really unfair. Apple makes it so hard for me to complete my purchases without having to constantly look for fixes on Youtube/Google. I probably tried every fix for this problem and I think Apple needs to fix it on their own. PLEASE HELP!