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Sep 17, 2016 6:44 AM in response to JackRGoodby irina_w,Hello there, JackRGood!
Thanks for reaching out to the Apple Support Communities! That is a great question about Family Sharing. Firstly, you can make purchases without using the Organizers credit card/billing method by using an iTunes gift card and adding it to your personal Apple ID. Check out this article: Family purchases and payments
After you set up your family, any time a family member initiates a new purchase it will be billed directly to your account, unless that family member has gift or store credit. First, their store credit will be used to pay the partial or total bill. The remainder will bill to the family organizer's card. As the family organizer, any receipts generated by the transaction will be sent to you. Learn more about how iTunes Store purchases are billed.
As for your question of why the billing is set up this way, check out this article about Family Sharing.
Family Sharing makes it easy for up to six people in your family to share each other’s iTunes, iBooks, and App Store purchases without sharing accounts. Pay for family purchases with the same credit card and approve kids’ spending right from a parent’s device. Share photos, a family calendar, and more to help keep everyone connected.
Cheers!
