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the steam user is responsible for security of their own steam account, no one else should be in or using your account, so why would you need a purchasing pin code? read the SSA/TOS you agreed to when starting up your steam account.
I'm assuming you're already aware of using family sharing and are already aware that is your only option thus do not want to hear that, however facts are that is what you would need to do. Spamming it will not change that fact.
Why do your children have full and unrestricted access to your credit and/or debit card?