Tap what's in your house and you'll get what can be bought without asking you, and where the switch is that makes it need asking first.
On an iPhone that's Ask to Buy, which sends every download and in app purchase to your phone before it happens. On Android it's Family Link, with one catch worth knowing: it only covers things bought through Google Play, so anything billed another way goes straight past it.
Roblox has a monthly spending limit now. Fortnite can put a PIN in front of purchases. And on a Nintendo Switch, spending is the one thing the Parental Controls app does not handle, which is why parents look for it there and give up.
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Some of these book links are affiliate links, so if you buy through one, I may earn a little from it. It never costs you anything extra.