Do you have children and/or have used most tech company's family account offerings? Apple, for an example, has a "master" account which controls billing. All p

Do you have children and/or have used most tech company's family account offerings? Apple, for an example, has a "master" account which controls billing. All purchases made on any associated family account are routed through this master account. My wife's purchases don't require approval, but all child accounts do. Microsoft's account structuring is very similar.