Now I'm dogging back a bit (I'm sure there's a thread with this info somehwere) but I thought you could write D and request pirates which you had on one account be transferred to a 2nd account if you wanted to use them both at the same time?
True, you do have to have to pay for that second account before they will do the transfer - but if what your looking for is for multiple family members to play at the same time with pirates they already built on that one acount - then its an option to look at
It would be nice if / when they would release a more automated way of doing that (like some type of selection screen where you see your pirates, select which ones you want to transfer and then select which account to send them to would be nice) - but since that doesnt exist now and you want the option, you can give that message a try.
As Zep mentions, a family package of some sort would also be nice (just like with their WDW tickets - the more days you stay the cheaper the per day price is - the more accounts you have the cheaper the per account price would be

)