I definitely agree with the latter part of that. My girlfriend saw my new card and asked about it, I tried to explain Plus and her eyes just glazed over
I think you’d need to have it twice. Otherwise the google sheet isn’t an accurate representation of that account.
Maybe Plus for two accounts it’s £7.50, paid by one account and then it applies to two accounts and the JA.
I’m not sure how they could implement it if only one person has it with the virtual cards, custom categories etc.
They’ve made it more complex by making everyone have a normal account first. Their simplest option is that you have to pay £5 each. Whether people would is up for debate.
What would probably happen is the person who wants it, would pay for it on both accounts. That’s what would happen in my situation!