My 15-year-old son was able to open a Swiss bank account all by himself, without his mother or me having to be there. He now uses Monero with @cakewallet on GrapheneOS. This is called financial and digital competence and independence.
Downside: He lost his first XMR on a boating accident. https://image.nostr.build/b77b2811ed44898f4c8bfc4a3bb2c158b8d871de11fb159e308c1d157f4664b2.jpg
Cake Wallet being the Swiss bank account.