I’ve never been a Family Sharing user, Apple’s feature that allows families to share iCloud account access for things like photos and music on both iOS and Mac. But I recently decided to upgrade my Apple Music account to a family plan to take advantage of the discount as I encourage family members and friends to try out the service; that required me to activate the Family Sharing feature that Apple uses to manage family plans for Apple Music.
While you can choose to ignore most of the features of Family Sharing — photos, calendars, and reminders can be accessed through shared folders in their respective apps — once it’s activated, there aren’t any granular settings for each member to disable sharing on a per-feature/app basis. But the even bigger issue is that all purchases from any Apple ID in the family go to a single credit card of the admin (or parent) of the group. In other words, I’m now paying for every app, song, book, or anything else that my family group members purchase from Apple on top of the subscription costs for Apple Music.