Almost every time I try to start my car, I have trouble
inserting a key in the ignition.
It seems like it is getting stuck, and is very hard to turn
to ACC position.

Oh no, no, no!
I know what steering wheel locking is.
The wheel is not locked when it happens at all.
I think in order to lock the wheel you actually have to wiggle to wheel
after
you remove the key after driving.
I don't ever do that, unless the vehicle is designed to do that
automatically.
Is it?

I know what you mean. I have a 97 SC2 and it started having this same
problem right after I bought it. I thought it was the lousy key where
the points of it were wearing off very fast.
It seemed to work better when I had a new key made.....now I have a
dozen or so "new" keys on hand. The key, new or old, had resistance
when trying to insert them into the ignition. I went to a Locksmith and
told them the story and they recommended a lubricant to spray into the
ignition, they gave me the can to spray some into the ignition right
there. It worked. I don't remember the type of lubricant though.....but
it's been over a year now and I haven't had any more problems except
for once in awhile I have to put the key in and out several times
before the ignition turns. I understand the steering lock deal where if
the steering wheel gets locked after the key is removed and you don't
remove the pressure of the locked steering wheel....the ignition key
won't turn.
Hope this helps. Dan.