We'll probably have to move into another smarter way like using 1 multi-sig address for a family; each member could have their own balance in their phone, but they'd all spend from the same channel.
It's actually feasible right now! You can install LND and LNDhub on a server and ask every family member to install BlueWallet. I have recently talked about it in
this post. The whole family would be able to use all channels of the same node without having to worry about individual backups or liquidity.