Accounts for kids and other ramblings

I was trying to create limited accounts for my 3 kids who all just got iPhones.  After much searching, it seemed that the only way to do this was by making an allowance account.  So, I went through the process of setting up an allowance for one of them using their iCloud ID (@me.com) and was told that they are not set up for iTunes store.  So, I tried logging them into iTunes and was told that I had to put a credit card on their account.  Wait a second!!!!  The whole point of this was to avoid having my credit card on their accounts.  Just trying to get something working, I added my credit card and we were up and running.  I then added the allowance to their account.  At this point, iTunes let me remove the credit card info from their account.  I did this for 2 of the kids without an issue.  When I got to my daughter, she already had an iTunes account with a credit card associated to it.  My intention was to switch her over to the allowance account and remove the credit card.  I went through the process and it told me that I needed to call Apple support in order to complete the process.  What the heck Apple?
Additionally, I switched my credit card number to a different card before doing any of this.  The allowances however were charged to the card that was previously on file, not the new one that I entered because I wanted the new card to be used!
All in all, it has been a miserable process.  I definitely think that Apple should put into place a technique of creating child accounts based off of the Parent's account such that the Parent can control the child's spending directly from their account within iTunes or via. an app on their iPhone, iPad, ...
If I'm missing something, please fill me in on what I need to do or where I went wrong.  I don't want them to use my iTunes ID directly since I don't want them to automatically download my content, we don't listen to the same music and want that to be separate, and I certainly don't want all of the apps that they buy automatically appearing on my iPhone and iPad (yet I still want to use this feature for my own content).
Thanks!

Excellent ideas and can't understand why it is so difficult or wasn't implemented and thought out. Makes sense.
Ask Siri and see what she has to say! who knows, maybe they use questions to Siri to see what customer's want to know.
In the meantime, if you can, use iTunes Feedback. http://www.apple.com/feedback/

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