Hello, I am wanting to set-up a family sharing account so my kids and I can share Apple Music and save a few bucks. However, they both have iTunes store credit balances and also receive iTunes gift cards frequently. From the way I read Apple's directions to set-up family sharing, it appears I will have to agree to have my iTunes store credit balance and/or Credit Card used for their purchases. So question is: Can you have family accounts but with individual members who have their own iTunes store credit? If so, how on earth do I do this? And sorry if this has been answered. I googled many different phrases trying to find info on this and came up empty.