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Payments , payment arrangements, family plan

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I'm in a family plan, now the problem I have with this is that at times there's always someone unable to make there payments on time resulting on everyone's lines sometimes getting cut, even with using payment arrangements it's becoming a big situation, i know the answer but I'll still ask the dumb question as to , if there's no way each line could be responsible for there individual payments just incase one doesn't pay up not everyone will get affected!? Or if 4 out of the 5 lines make there payments for there to be an exception on that 5th person getting there time extended just a little more so that everyon els won't have to pay the consequence?

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