Apple ID / Family Sharing for Kids: Change Requests

My 12 year old has been given an iPhone and I wanted to include him into our Family Sharing. I stumbled over a number of Problems that are a bit disappointing for an Apple user:
1. Asfar as I understand: As he reaches 13, the restriction that the parents have to authorize all purchases on the organizer's Apple ID / credit card will automatically fall.
This is not what we want. We suggest that the organizer can choose at what age the restriction will fall (at least max. 16!).
2. The members of the family do not have the choice that a purchase should be charged on their own credit card. 
This is not what we want. We suggest that each family member can provide their own credit card and can choose at each purchase if it is charged to his or her own credit card or to the organizer's credit card.
In this case it would be a good idea that there is not age limit for the autorization of purchases by the organizer.
3. It is not possible to create a new Apple ID for minors over https://appleid.apple.com/. The only way to create an Apple ID is the Family Sharing function in IOS 8.x.  However, there it is not possible to define an Apple ID with an individual email address – it has to be a @icloud.com-Address.
This is not what we want. We suggest hat the function to create an Apple ID for minors within the Family Sharing function of IOS would allow for Apple IDs with individual email addresses.
4. It seems that the apple support staff does not know these things in detail. It took me three calls to find this out.  In the first call, the supporter suggested to define the kid's Apple ID using applied.apple.com. However, it was possible to create an account with a birthday of a 12 year old (wrong error
text: "You cannot change this birth day").  The second supporter told me that the reason for this was a major update under way in Apple's systems and asked me to wait for 48 hours. The third supporter did not know these details.  I had to ask to talk to someone familiar with Family Sharing and Apple ID to verify:
Is it possible to create an Apple ID for minors over applied.apple.com?  Is there another way to create an Apple ID for minors using an individual email address as the Apple ID?  It took me 10 minutes waiting until the supporter told me that neither was possible.
This is not what we want. We suggest that the support staff is trained better or is provided with better Information on these topics.

The answer can be found here : Family Sharing and Apple IDs for kids

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