What mean “why if applicable?

It can be towards you if you fit within context

It depends on where you live.

Betray, destroy, and obey do not need to be changed to add the suffix -ed, because the "y" at the end of each word is preceded by a vowel  (so  they would be spelled  "betrayed," "destroyed," and "obeyed").

but hurry is different; it has to  be spelled "hurried" because the "y" at the end of "hurry" is preceded by a consonant.