hi - if you have a family adult member who you share apps with, but you want payments to be set to "ask to buy" ... is this not possible ... family is family, but credit-cards does have a limit... please advise

Hello BoettieR,

 Welcome to Apple Support Communities. We understand wanting to be able to share app purchases, and in the meantime set up "Ask to Buy" feature. We'd be happy to provide some guidance.

To get start, please check out how to create or join a Family Sharing group:

Set up Family Sharing

Then follow these steps to set up "Ask to Buy":

Approve what kids buy with Ask to Buy

Here's how to share purchases with Family Sharing:

Share App Store, iTunes Store, and Apple Books purchases with Family Sharing

We hope this information is useful. Kind regards.