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Russell has an iPhone and iPad which share one account, I gave an iPad and iPhone which share another, and we use the family sharing. If we had (for example) a child old enough to have an iPad then he could have his own account but we'd all be able to family share and only pay for one copy of, I don't know, Angry Birds, say. All our in-game progress would remain our own and all our calls and texts would remain our own, also.
When I looked at the family sharing on the Apple site it said that an adult could create a child account and that purchasing could be blocked as well as some content filtering put on that account.
Not sure if say the adult in the sharing group bought a casino app if that would be available to the child account, guessing if you blocked gambling apps via the filtering then they wouldn’t be able to access it regardless of if it been purchased?