family sharing plan + add an additional payment option?

The payment method for Family Sharing is automatic:

1. If anybody in the family buys or subscribes to something, Apple first attempts to charge the item to that individual's Apple Account (Apple ID) balance, if any.

2. If a family member does not have enough personal Apple Account balance, any excess will be charged to the Family Organizer's primary payment method (usually a card of some kind). The Organizer's personal balance will not be used for purchases made by other family members. If it cannot bill the primary payment method, the Organizer will need to make another payment method the primary method.

- "Some purchases, including gifts, can't be billed to Apple ID balance and will be charged to the family organizer's payment method." "Some subscriptions might not be charged to Apple ID balance."

Ref:

- Family purchases and payments - https://support.apple.com/HT201079

- How App Store and iTunes Store purchases are billed - https://support.apple.com/HT201359

- Check your Apple ID balance - https://support.apple.com/HT202359

- Change, add, or remove Apple ID payment methods - https://support.apple.com/HT201266

If you want to know why it is this way, ask Apple:

Contact Apple. Click here --> https://support.apple.com/choose-country-region Select your country, then a product. If you don't see one that handles your issue then keep experimenting with selections until you reach one that gets you a chat session or a telephone call and get the representative to redirect you.

or:

Contact Apple for support and service --> "See a list of Apple phone numbers around the world."

Click here --> https://support.apple.com/HT201232