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 nostr:npub1j9qyxka5lck4tw50v7qfrs6gdwczz5ydt7ugqy6nhuva9p6dpy5q8rs2yg on GrapheneOS. This is called financial and digital competence and  independence.