This is great in theory until the developers make it impossible e.g. Microsoft has a convenient bug (for at least the past 4 years) where Minecraft purchases ar

This is great in theory until the developers make it impossible e.g. Microsoft has a convenient bug (for at least the past 4 years) where Minecraft purchases are authenticated against your child's account PIN, not the adults account PIN that holds the card details. (I use a virtual credit card to protect against overcharges so this is annoying but I suspect many parents without this setup have been burned).