Seperate Apple IDs for seperate Itunes gift cards with one Icloud account

Question

My wife and I both have Iphone 4s and we have one central Itunes account with all of our music on one Icloud account.   We like to listen to "OUR SHARED" music on each of our Iphone's.  Now here is our major problem:
We each have recieved Itunes gift cards and would really like to keep the spending sepearate but both of us have access to music and videos to each of us have purchased.  We would like the ability to share the music between the two of us.  We are trying to avoid the accident of purchasing the same song twice for example.  Waste of money in my opinion. 
I have spoken to a few apple helpers at the local apple store and were said you can do just look up the Apple support commnities.  But I have not found any luck.
I then went ahead and spoke to two Apple tech support by phone one said she was not sure then the second which was a manager said that the Icloud is not made for music it is only made for contacts, notes, backup iphone or ipad, etc. 
I thought she was full of hot air.  We can download all of our music through Itunes match in the icloud.  I tried to explain to her but she was oblivious.  Sad that someone in the Apple Tech support does not know her own product. 
This is the first time in four years I have become semi frustrated with an apple product.  Everything else has been awesome to date. 
Thanks in advance for any help.
Doogie

Answer 1

This is the screen that pops up when I attempt to purchase an app.  It does not allow me to use my Touch ID.