Here we go, find all sorts of excuses to make up for the fact that this system Apple designed is not good and needs improvements. Using iTunes gift card? Loading the account? While digital gift cards are readily available, the entire point of using credit card is to enjoy benefits and pay the bill some time later. Using gift cards is akin to use cash, but worse since you lose the Privacy benefit true cash brings.
People say just leave the “Family”. So instead of pointing out the system has issues and needs improvement, we just leave the bad system, except there is literally no alternative. It’s either yes or no, very binary, very Apple. Why things must be so black and white?
Apple seems to have extremely high ego and won’t let anyone hurt it or something. Rather than accepting the imperfection of their solutions, they blame customers who raises the issue As a default. We all have brain dead moments that just can’t see the obvious, but that does not apply to OP here, which is also echoed by another post highlighting the same issue.
Attitude like this is probably one reason why Apple is being targeted by governments around the world more intensely.
Apple should have an interpretation table featuring all English words they are using and define every single one of them in their ToS meaning instead of relying on common sense and logic. Surely it will work better for them.