along with your personal apple account username and password.
I would never ever share my personal Apple account with work related things. I prefer to have my private stuff seperated from work related things.
I once worked for a small company that had such a setup: All devices were Apple, and everything was connected with the company owners private Apple accounts. That means that I was able to see personal calendars and to an extend some email-related things - Things that reveald more about a person than you wanted to know.
I think it is important to have cash as a backup.
A couple of years ago there were some issues with card reading terminals in Germany. Due to a faulty security certificate these card reading terminals were not operational for about a whole month. Many stores were affected, because they almost all use ones from the same manufacturer. The only reason why it wasn't such a big deal was that people were carrying cash around anyway and were able to switch the method of payment easily. Having cash worked as a backup.