Family Sharing - Payments

HI, id like to ask about Family Sharing and the payment method.
IN the settings window where i can send an invite to my sister for example, it shows my credit card under "payment method", and right beneath it it'll say "purchases initiated by family members will be billed to this payment method".
Does this mean that if invite mu sister into Family Sharing, and she decides to puchase an app, it will be billed to my CC but not to her own? If it will show her own CC as well, will she be able to choose between the two?
Basically what Im trying to accomplish is that each of us will pay from our own CCs for the stuff we want for ourselves but at the same time both of us could use each other's purchases.
Thanks in advance for clearing this up for me

I guess by that Apple made it "less attractive" for people to add any random people to their sharing plan. But even in a family i find it to be very odd using just one credit card, as usually both parents or their grown kids would have a user account rather all of them hooked to their personal credit cards. I dont see why this would make sense tho. Why not log in with the same user account on all devices and therefor use one credit card. Basically thats exactly what Family Sharing is then, nothing but one account for all, just disguised in a different and prettier name - "Family Sharing".
Thanks for helping me clear it up.
Cheers

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