While not great, the virtual cards are an improvement, unless your kid and you never play the same games. One Switch gets to be the home console and doesn't need checks. The other would have to be logged in as you, which requires a license check every time you play. But, save files are tied to the account and you can't move them between accounts. If you use cloud save files, you and your kid are going to be bumping into each other all the time. Then, if you introduced a 3rd Switch, only one of the non-home Switches could play a game under your account at a time, even if they're different games.
I know 3+ Switches sound like a lot, but Nintendo was pushing the Switch Lite like the latest Gameboy. Maybe you concede and decide to buy the same game multiple times to avoid all of this. Well, there's no gifting. You need to enter your billing details into your kid's Switch and buy it there. Assuming you don't want to leave your credit card setup in their Switch, you get to go through this whole dance every time you buy something.
Virtual cards let you avoid a lot of this nonsense for two weeks. You'll rapidly get annoyed having to keep the original Switch and the new one in close proximity to do the exchange, but it'll work. But, it's nowhere near as nice as Steam Family or the iOS Family Sharing.
I know 3+ Switches sound like a lot, but Nintendo was pushing the Switch Lite like the latest Gameboy. Maybe you concede and decide to buy the same game multiple times to avoid all of this. Well, there's no gifting. You need to enter your billing details into your kid's Switch and buy it there. Assuming you don't want to leave your credit card setup in their Switch, you get to go through this whole dance every time you buy something.
Virtual cards let you avoid a lot of this nonsense for two weeks. You'll rapidly get annoyed having to keep the original Switch and the new one in close proximity to do the exchange, but it'll work. But, it's nowhere near as nice as Steam Family or the iOS Family Sharing.