Our software is set up as such:

If you set a target ACOS at campaign level -> all the keywords in there inherit the Target ACOS.

If you add another keyword to that ad group, you should set a target ACOS for that keyword.

You should update the target ACOS for those keywords, otherwise they will use the campaign's Target ACOS.

We are planning to introduce a prompt when users add keywords or graduate items. By default, we haven't implemented this because our users have the flexibility to set individual target ACOS and minimum/maximum bids for each keyword. However, to simplify the process for our users who prefer not to customize, we'll soon be prompting them with the option to either use the campaign settings or customize it right away.