Are you up for keeping the tab on family members storage use monthly, restricting them and again granting them access (they have every right to ask you to do so because they are contributing ₹ equally)? Now coming to your circumventing point on UPI, by doing so you will be losing out on 10% to 15% bonus funds Apple will give you on adding to your ID during Deepawali. I usually load up 1 year worth of funds during the promotion.
Make a wise decision. Happy Independence Day Brother.
