Me personally, Apple repeatedly locked (not disabled) my account earlier this year when they weren't able to process a payment. PayPal had authorized but not charged an M1 laptop I had ordered with a non-English keyboard, and somehow the order hung. My bank and PayPal showed the authorization, but Apple showed it as "hold" due to unsuccessful payment. Customer service wasn't able to push the order through without taking credit card information directly, and I ended up canceling the order, which means I lose my place in the order queue.
Based on my recent experience, I wouldn't be surprised if Apple had some issues with payment processing. The reason that I care about this particular topic is that I'm considering doing the re-order of the M1 laptop with Apple Card financing. That's why chaff like "it feels false lol" is not useful information for me.