I create accounts quite often, so I would expect collisions to happen, the cost of mistake is high. The other problem is that there is stuff you want for yours

I create accounts quite often, so I would expect collisions to happen, the cost of mistake is high. The other problem is that there is stuff you want for yourself, stuff shared with your partner, stuff shared with all the family (children included) and stuff shared 1-on-1 with each child. That gets messy quickly.