Great questions!
1. Yes, the question that makes the most logical and grammatical sense is "why are you asking". However, for some reason, this is seen as an aggressive way to ask the question.
A: "Do you have the money?"
B: "Why are you asking?" [B glances significantly at his gun].
It is much more polite to say "Why do you ask?" This makes it sound more abstract and theoretical. It is similar to the way that we often use conditional for requests.
"Can you come over here?" sounds a bit rude.
"Could you come over here?" sounds much more polite. it implies "Could you come over here, [if I were rude enough to ask you to do that]?"
B. Neither. You should say "I've forgotten how much I paid." "Forget" is the opposite of "learn", not "know". When something changes from not being in your brain to being in your brain, you learn it. When it is in your brain, you know it. When it changes from being in your brain to not being in your brain, you forget it. After it leaves your brain, you have forgotten it.
You never notice the exact moment when something leaves your brain--if you noticed it, you would remember it. Instead, you look at your brain, and see that the information isn't there anymore, so you know that you have forgotten it, but you don't know when you forgot it. SO, for information, always use "forgotten" instead of "forget" or "forgot".
When should you use "forget" and ""forgot"?
You can use them for actions:
--"I forgot to bring my keys"
--"Don't forget to bring your keys tomorrow."
You can also use them for *temporary* memory failures.
--"At the party last night, I forgot Sally's name." [...but you remember it NOW]