I need apple to STOP all automatic payments.

I need apple to STOP all automatic payments. It is such an infuriating feature. I transfer money to pay a bill, apple is like “OH THIS ACCOUNT HAS MONEY, I’ll take that”, &suddenly my account no longer has the full bill amount so it bounces back which I get a late fee for or it overdrafts me. It happens nearly every time because Apple also is constantly trying every card in my wallet for random amounts of money. I have to keep my money out of my checking so apple doesn’t help themselves to it, (its only sometimes my subscriptions) and I know everyone says it’s “something I authorized”, but NOPE. I have checked my subscriptions, its a weird amount, its not in apple pay, I don’t buy apps or music or game stuff, and apple doesn’t tell you why either. Listen, give me the option to either have automatic payments, or ASK ME permission to charge me every time, or give me the option to pause individual subscriptions. Then when I have enough money in my account I can elect to pay now or turn subs back on.