YET ANOTHER feature that is linked to ONE SINGLE account. If apple decides to block your account, everything is gone. This happened some time ago to my microsoft account - everything gone. And why? Because I have uploaded (automatically) a nude picture of my gf to their cloud, it was detected by their algorithm and my account was locked.
I had to communicate with microsoft by a PAPER LETTER(!) to understand WHY my account was locked in the first place and that they would not care to unlock it.
This happened 3 years ago. Their policy might differ today regarding nude content. But for me it was a shock and a lesson.