Family sharing without paying for everyones apps

Have each family member redeem iTunes gift cards. If every family member redeems their own iTunes gift cards, the organizer will never have to pay for anything as long as each member keeps a balance in their Apple ID / iTunes account that they can use for purchases. You will stay have to pay for the iCloud storage, but they can purchase music, apps, books and videos on their own using gift cards.

We have been using family sharing for about a year and a half and I have never paid for anything as the family organizer except for one time when my daughter drained her balance and was short about 65¢.

I also use iTunes gift cards to pay for the family iCloud storage.

No, family sharing charges all purchases to the payment tied to the organizers AppleID.