Family sharing not allowing me to make purchases without using my husband's payment method

My Husband and I recently took the plunge and joined Family Sharing.
Having pretty hectic lives, we haven't worked it all out as yet - and today, I tried purchasing an App - and all of a sudden I am being required to use my husbands iTunes account and Payment Methods, rather than my own, which I have used for many years.
We did make my husband the organiser, however, I am on the account as an adult, and find this sudden change invasive and unacceptable.   Nothing in the literature explaining family sharing says that the adult who is not the organiser, can no longer control their own purchases and purchase methods.
we love the idea of family sharing for photos, movies, apps, books etc ....  However I do not want my purchases and subscription communications to go through to my husband.  We are both busy, independent adults - and although we have nothing to hide from one another, what we each do should be communicated to and controlled by each of us.
I just called support, and they are telling me that there is nothing they can do about this ?
Anyone got any advice, or experiences to share ?  TIA

Your purchases will be charged against the Organizer's charge card on file, but they will reside under the Apple ID that you are purchasing them under (so if later, you were to leave Family Sharing, they would be "owned" by your Apple ID). If you have a gift card on file for your Apple ID, it will take the funds from the gift card first before going to the Organizer's charge card, but the entire set-up of Family Sharing is one that is designed to charge all purchases against the Organizer's card on file.
How is the set-up invasive, exactly? Family Sharing is primarily designed for families, especially ones with small children. The FAQs and ad pages are very clear about the fact that the Organizer pay for all purchases:
https://www.apple.com/icloud/family-sharing/
Cheers,
GB

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