On our last cruise, we gave our teens charging privileges, with clear expectations that they could only charge things that they planned to pay for out of their own personal allowances.
But we found that we were always all together in the gift shop, for example, and bought things in one big transaction using my KTTW card or my husband’s card. This made it annoying when we got home and I had to check each purchase and figure out who bought what and assign it to the right line item in our family budget tracker. (We use the Dave Ramsey “Every Dollar” tracking app).
Solution for the next trip is that. each family member will to use their own KTTW card to charge their own things. That way the itemizations will already be done for me when I look at the list of charges. This is because the breakdown is given according to what KTTW card was used.