Family Sharing
How do family members pay for their own purchases in Family Sharing
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By adding balance to their Apple IDs, usually with gift cards. Make sure there's always enough to cover anticipated purchases and subscriptions.
Family purchases and payments - Apple Support - https://support.apple.com/HT201079
"Which payment method is charged for family members' purchases?
One adult in the family—the family organizer—pays for most purchases that family members make. But if you're a family member and you have your own Apple ID balance, your purchases bill to your personal Apple ID balance. "
and:
How apps, content, and subscriptions from Apple are billed - https://support.apple.com/HT201359
"Some purchases aren’t charged to your Apple ID balance
If you're in a Family Sharing group, purchases are charged to your personal Apple ID balance. If you don't have enough Apple ID balance to pay for the purchase, the remainder is charged to the family organizer's primary payment method."
- Add money to your Apple ID balance - "With the payment method that you have on file, you can add funds to the Apple ID that you use for iTunes & App Store and iCloud Storage purchases."
https://support.apple.com/HT208687
- Create and add money to an iTunes Pass - "At Apple Stores and select retailers, you can add store credit directly to the Apple ID that you use for App Store, iTunes Store, and iBooks Store purchases." - https://support.apple.com/HT203021
- Redeem App Store & iTunes Gift Cards, Apple Music Gift Cards, and content codes - https://support.apple.com/HT201209