I thought the photos app was a fairly innocuous form of screen time, not realizing that it was so easy to make a purchase! No password confirmation or anything.
Fortunately support made a one-time exception and refunded the payment even though it was well past the cancellation window.
I still removed all the payment methods and addresses from our Google Pay account because I couldn't figure out any other way to guarantee that this doesn't happen again.
Frictionless payment flows do not mix well with toddlers.
Though is the root issue just communication? At some point transactions need:
1. Recorded
2. Categorized (optional, but desirable)
3. Reconciled (This can only happen as often as bank statements are issued)
With multiple spenders, communication (to answer the question "what is this transaction for?!?!") is paramount and fits naturally at the reconciliation step or more frequently if desired.
The workflow described is synchronous, centralized and simple