All Apple see is a card that can be charged. It does not know about your personal budgeting.
Items in the store have a price on the download button unless it is free and there is just a "get".
Many items have free trials which automatically change to paid subscriptions.
This is the way things are in the 21s century.
Here's how to request an app or media refund from Apple (From: Request a refund for apps or content that you bought from Apple - Apple Support - see the article for more detail.) If you bought this in the EU from a third party, see: About purchases not billed through the App Store or the App Store’s In-App Purchase system - Apple Support instead.
1. Sign in to https://reportaproblem.apple.com
2. Tap or click "I'd like to," then choose "Request a refund."
3. Choose the reason why you want a refund, then choose Next.
4. Choose the app, subscription, or other item, then choose Submit.
If you were charged for a subscription that you no longer want, you can also cancel the subscription using the directions in this article --> If you want to cancel a subscription from Apple - Apple Support
Read this support article for information about how long it takes to receive a refund (if you are granted one), and how to check the status of a refund for apps or content that you bought from Apple --> Check the status of a refund for apps or content that you bought from Apple - Apple Support