Q: Why can't I select another valid payment method when Family Sharing payment method is not valid?

I am part of a family sharing account that my wife setup. The payment method she chose is not valid, but I have another payment method that is valid, but when I try to make a purchase, I am told the family share paymemt is not valid. I should be able to select another valid payment method that is alleys on file and associated with my account. And the organizer of the payment method for the family share account should get a notification so they can fix the problem. Please Apple, improve the customer experience so I can choose the valid payment option and make my purchase (a free app in this case).