Do we need to create another account?

We have multiple ipod owners in our family. We keep out music together and up until now we have had one account which we used to purchase music. Now a couple of family members have received gift cards and we would like to make sure they get to use their own cards and the cards don't get spent by others.
So do we have to create a 2nd account or separate accounts for every family member or is there a way to switch back to a credit card before using up a gift card?
If we do create separate accounts can we still share a library and sync our ipods from the same library?

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