Why does Apple iPhone make changing your Wallpaper so hard

Hi Langleypops64-65,

You started from a good resource. Change the wallpaper on your iPhone

For help with changing the wallpaper on your iPhone, the steps below found in the same article can assist.

"Add a new wallpaper for your Lock Screen or Home Screen

1. In the Settings app, tap Wallpaper.
2. Tap Add New Wallpaper.
3. Tap Photos, People, or Photo Shuffle to choose your own photo. You can also select a wallpaper from a category like Weather & Astronomy, Emoji, Collections, or Color.
4. 
5. If you want, you can customize your wallpaper further. Then tap Add."

Based on the iOS version you have the guide here may also help. You can change the iOS in the dropdown at the top of the page. Change the wallpaper on iPhone - Apple Support

Cheers.