From that support document:
Which payment method is charged for purchases that family members make?
When Purchase Sharing is turned on, everyone's purchases bill to the family organizer's payment method.* If there's an issue with the payment method, the family organizer can change or update their payment method.
If you're the family organizer and you don't want to share a payment method with your family, turn off purchase sharing. When purchase sharing is turned off, you can continue to share subscriptions like Apple TV+ and Apple Arcade.
* Learn how purchases are billed if a family member has Apple ID balance.
The organizer undertakes to pay for everything not covered by store credit, unless they turn off purchase sharing altogether I guess. Other family members cannot add credit/debit cards and are limited to store credit.
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