I've read all of the guides about setting up child accounts etc. .Those are not real solutions, they don't prevent your kids from downloading without your permission. I know that the only current feasible solution is to remove payment option from your account. That is a pain. Everyone tippy want to make a payment, you have to add your credit card then remove it again. You can't just block payment on child accounts. There is no password protection on the Xbox 360. Why not just add password protection for all purchases, such as on Amazon.com? I'm not buying xbox one or anything on xbox live again until xbox implements a P.I.N.requirement for purchases. Go on a roku and try to buy a movie on Amazon.com instant video, you have to enter a4 digit pin. Microsoft, get on this or I'll be buying the competitors console. You are losing money by having me keep my payment option removed just to protect my account from my kids.