I understand why, and it makes sense to me. But I wouldn’t want to take that chance.
It’s not so much that I know a family member would knowingly cheat, but who knows if a friend might convince them to try a mod or something, and not know it could potentially get them banned, ya know?
Being able to gift games, parental controls, etc. Plenty of other reasons to set this up. As long as we’d be able to just not share games in case this happened, I’d be cool with that.