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I’m sure Apple realizes how many senile in-laws can make them money.

Can you not just make her a separate account and make her put her own card on there?

> if I want to keep app purchase sharing.

That's fair, I must have missed that

Regardless, there has to be a breaking point. The value of sharing those will be exceeded by the microtransactions at some point

I think you could convert her account to a child account. That way, you have to approve the purchases first.