Why is my card/account disabled on the iTunes and Apple store?

Usually for an issue with payment of a purchase. You can only resolve this by speaking directly to Apple Support.

World-wide Apple Support -

Contact Apple for support and service – Apple Support (UK)

M1 Mac mini, macOS 13.3.1;  Watch, series 7 GPS/cellular, watchOS 9.4; iPad Pro 2nd Gen, iPadOS 16.4.1; iPhone 12 Pro, iOS 16.4.1; TV 4th Gen, tvOS 16.4.1; HomePods, audioOS 16.4.1 and Airport Express w/ Airplay 2