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I'd love to switch to the one on iCloud+, which I already pay for anyway, but Apple's restrictions on what constitutes a "family" are bizarre - as soon as I add anyone to the family, I'm also paying for any apps they buy. This is fine with my kids, but what right do I have to know what apps my wife is installing on her own phone? Feels like such a creepy restriction.

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From what I've read about iCloud family sharing is that purchase sharing is optional and can be turned off.

I haven't tried out the family sharing yet though.

Ahh, interesting. I could swear this wasn't possible last I checked, but this page [0] suggests it may be, however it's not very clear at all what is being turned off. Does this mean if I buy an app, my wife doesn't automatically get to use it too, or does this mean if she buys an app it doesn't get billed to me? It's the shared billing that was always the creepy bit.

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