How to stop family sharing payment

Will that ever change? Because I do have an iTunes card on my account and it still wants me to put the security card for the organizers credit card to be able to download a free app. That is really messed up in my opinion that there is not an option to turn off shared payment

You would have to ask Apple that. We are just users like you, reporting how things work: Apple - Feedback

Cheers,

GB

See the following:

Leave Family Sharing - Apple Support

and

Manage your Apple Music membership on your iPhone, iPad, iPod touch, Mac, PC, or Apple TV - Apple Support

The only way to prevent the charges from being sent to your credit card, since you are the organizer would be to have them put an iTunes card on their accounts to cover the charges. If their individual iTunes accounts have a credit, it charges that first before going to your card.

Cheers,

GB