Do you go to

Nobody on here (i.e. fellow users) has taken any money from your account. No idea what 'or my coping well with you' is supposed to mean.

See : See your purchase history in the iTunes Store - Apple Support

And : About payment card authorisation holds in the iTunes Store - Apple Support

You did it

Of course I didn't, and neither did anyone else on here - fellow users obviously can't do that.

You are not talking to Apple here.