icloud account merge

i synced my phone to an apple watch, that was previously my mothers, and now i have access to her apple wallet and her contact photo (in my phone) is the photo used for my account as well. her wallet doesn’t update, so i have no access to her newer cards. however, it’s really inconvenient when trying to access my own cards.

she is a “guardian” on our family account and the only way we’ve been able to solve the issue is by removing me from the family. this is also a major inconvenience due to storage and subscriptions.

is there any way to unmerge our accounts other than removing me from the family? any advice is appreciated, tia.