I don't think 'no cc on file' is 'typical' behaviour, but it is an option.

I should clarify: Among people that don't use credit cards like kids or the paranoid, the typical solution is to use a gift card. I, personally, do not like to use credit cards for purchases less than 40$. I certainly didn't think my comment was worthy of downvoting, especially since the comment I replied to asked if it was required.

I don't down vote, because down voting on HN is fundamentally broken.

I would have thought nowadays with Family Sharing accounts, kids accounts were less likely to need gift cards.