There are 5 grown adults, who want to do this sharing plan to share each others apps. Each have their own credit card, and can/will purchase their own apps with their own credit card. Reading the Apple's detail on this family sharing, it just keeps bringing up that people will request to purchase apps from the organizer. It has no 'what ifs'. Can others use their own credit cards to make purchases? Can their own be set to default so they dont have to ask permission to buy stuff? Or does everything they buy have to be through the organizer? If I go to "my purchases" in the app store and hid apps I dont want them downloading or seeing, does this guarantee that they wont see them?