To add a bit more context to your options listed in another post:
Based on: How to share apps and purchases with your family - Apple Support and How apps, content, and subscriptions from Apple are billed - Apple Support
1. If anybody in the family buys or subscribes to something, Apple first attempts to charge the item to that individual's Apple Account (Apple ID) balance, if any.
2. If a family member does not have enough personal Apple Account balance, any excess will be charged to the Family Organizer's primary payment method (usually a card of some kind). The Organizer's personal balance will not be used for purchases made by other family members. If Apple cannot bill the primary payment method, the Organizer will need to make another payment method the primary method. With Family Sharing the Organizer always has to have at least one functioning payment method.
Also note: "Some purchases, including gifts, can't be billed to Apple ID balance and will be charged to the family organizer's payment method." "Some subscriptions might not be charged to Apple ID balance."
Ref:
- Family purchases and payments - How to share apps and purchases with your family - Apple Support
- How apps, content, and subscriptions from Apple are billed - How apps, content, and subscriptions from Apple are billed - Apple Support
- Check your Apple ID balance - Check your Apple Account balance - Apple Support
- Add a payment method to your Apple ID - Add a payment method to your Apple Account - Apple Support
Adding funds to your Apple ID balance:
- How to redeem your Apple Gift Card or App Store & iTunes gift card - Apple Support
- Add money to your Apple Account balance - Apple Support
You can leave a group if you are an adult. You cannot edit any payment options or other settings. So your options are to either leave the group which will allow you to have your own payment method, or add balance to your account using gift cards so those are charged instead of the Organizer's card, or to get the Organizer to correct the problem card issue.
