Rebilling for sub accounts

So I went ahead and set up refilling for my sub accounts, but it's weird because as soon as I linked one sub account to one of the client's stripe accounts, it then activated the other sub account to Stripe even though I hadn't connected their Stripe to their subaccount yet...if that makes sense? Is there not a way to set up a wallet for the sub accounts or is that only for agencies? So how does the refilling work? Does it come out of my agency wallet, and then charges the sends them a bill or automatic charge from my account? I'm just so confused on all this sub account rebilling/wallet stuff.

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