iCloud sharing
Does everyone the phone bill have access to my icloud?
iPhone 13 Pro Max, iOS 16
Question marked as
Your phone bill has nothing to do with access to your iCloud.
Your Apple ID and password (and possibly a two-factor authentication code) are required to access your iCloud.
If you share your iCloud storage with your family (using Family Sharing) see the following from Share iCloud+ with your family - Apple Support
When you share an iCloud+ subscription, everyone in the family group uses their own account. That way your photos, documents, and other information stay private, even though you're sharing access to the service. You simply share the features and space available in iCloud+ with your family members, so you only have one plan to manage.
Note that there as some things that you can elect to share. For example How to use iCloud Shared Photo Library - Apple Support