Notions like the power set PY of a set Y are characterized by some formula in your logic, say
(S∈PY) ⇔ (∀Z.(Z∈S ⟹ Z∈Y)))
With a finite set, say
y={3,4}
you can run an algorithm constructing the subsets and you'll end up with
{}, {3}, {4}, {3,4}
making
Py = {{}, {3}, {4}, {3,4}}
the power set.
But with uncountable things, what PY means is "wished for", you don't have a list of subsets but just formulas in the logic. It's determined by the axioms.
This statement about the cardinalities of power sets
(|Y| > |X|) => (|PY| > |PX|)
i.e.
>"If a set Y is bigger than another set X, then it also has more subsets"
is also a "certain" "reasonable proposition", but neither the statement nor its negation is provable from ZF or ZF+Choice.
The above statement in fact turns out to imply the independent continuum hypothesis
>∄Y. |ℕ| < |Y| < |R|
(There are models which have such an inbetween set Y, with |PY|=R)
Clearly, the collection of axioms you call ZF or ZFC or any other of the strong ones are expressions of what you like a "set" to be, but what you get out of it will probably be a disappointment. Life is tough, things get hard already once you go from finite to countable, pic related.
I'd agree with you, "it's something certain for sets", but ZF is merely an attempt to define sets mathematically, and arguably not a good one.
People tend to not need it at all. You might need it when you want to prove some results in functional analysis and have your theorem say "for all vector spaces", including extremely opaque ones nobody ever uses. But of course, once you've proven it using choice, you just used a sledge hammer to make it true.
The axioms that are "certainly true" are those that will break any sensible notion of "collection" once you deny one of them, see e.g.
en.wikipedia.org/wiki/Kripke–Platek_set_theory
Beyond that, you generate "sets" that someone will eventually be troubled with.