The universe according to MMM

[Scott5114]

5. Can't access or open a bank account for your own money until 21 even though you can make said money as early as 14.

What? I've had the same bank account since I was 6. They didn't let me have a debit card until I was 18, but I was more than welcome to write checks. (Which I did a lot when I was in college at age 17.)

My mom's name was on the account too, but I had no problems accessing the account without her. The tellers didn't bat an eye, I just said what I wanted to do (which was normally deposit coins) and they did it.

[Max Rockatansky]

BTW, George Santos is back in the lead 9-8 over Wesley Crusher.

[MultiMillionMiler]

5. Can't access or open a bank account for your own money until 21 even though you can make said money as early as 14.

What? I've had the same bank account since I was 6. They didn't let me have a debit card until I was 18, but I was more than welcome to write checks. (Which I did a lot when I was in college at age 17.)

My mom's name was on the account too, but I had no problems accessing the account without her. The tellers didn't bat an eye, I just said what I wanted to do (which was normally deposit coins) and they did it.

Could you withdraw?

[Max Rockatansky]

5. Can't access or open a bank account for your own money until 21 even though you can make said money as early as 14.

What? I've had the same bank account since I was 6. They didn't let me have a debit card until I was 18, but I was more than welcome to write checks. (Which I did a lot when I was in college at age 17.)

My mom's name was on the account too, but I had no problems accessing the account without her. The tellers didn't bat an eye, I just said what I wanted to do (which was normally deposit coins) and they did it.

Could you withdraw?

(Insert obvious joke)

[Scott5114]

5. Can't access or open a bank account for your own money until 21 even though you can make said money as early as 14.

What? I've had the same bank account since I was 6. They didn't let me have a debit card until I was 18, but I was more than welcome to write checks. (Which I did a lot when I was in college at age 17.)

My mom's name was on the account too, but I had no problems accessing the account without her. The tellers didn't bat an eye, I just said what I wanted to do (which was normally deposit coins) and they did it.

Could you withdraw?

Yes? I just rarely did because I liked seeing the number in the account get bigger. But once I started working and wanting to get money out to (unsuccessfully) impress girls they had no problem handing me however much cash I wanted, even without my mom there.

[MultiMillionMiler]

https://pocketsense.com/rules-regarding-minors-bank-accounts-14806.html

Well according to this, the only type of savings account a minor can open has to be custodial, and they can only access a custodial account at either 18 or 21. Maybe they changed the rules.

[Scott5114]

Sometimes websites are wrong.

[kalvado]

https://pocketsense.com/rules-regarding-minors-bank-accounts-14806.html

Well according to this, the only type of savings account a minor can open has to be custodial, and they can only access a custodial account at either 18 or 21. Maybe they changed the rules.

chase can open an account for 18 year old without parents:
https://www.chase.com/personal/banking/education/basics/can-a-teenager-open-a-bank-account

[MultiMillionMiler]

https://pocketsense.com/rules-regarding-minors-bank-accounts-14806.html

Well according to this, the only type of savings account a minor can open has to be custodial, and they can only access a custodial account at either 18 or 21. Maybe they changed the rules.

chase can open an account for 18 year old without parents:
https://www.chase.com/personal/banking/education/basics/can-a-teenager-open-a-bank-account

[Scott5114]

I mean, the solution to that is to not use Chase.

https://www.tinkerfcu.org/savings/saveables-kids-club/

Apparently they will give debit cards to 13-year-olds now.

[kalvado]

I mean, the solution to that is to not use Chase.

https://www.tinkerfcu.org/savings/saveables-kids-club/

Apparently they will give debit cards to 13-year-olds now.

MMM's issue here is that parent's content is required until 18 years old.

[kkt]

We opened a custodial account for my kid when kid was 15 or so... kid has an ATM card and full access to it.  The account also shows up when I sign on to online banking, which is handy for being able to move money to kid's account without a wait for it to clear.

It's a parent's job to make sure their kid under 18 is spending their money reasonably.  Usually that's agreeing with what the kid wants, sometimes it's saying no with an explanation. Buying a bunch of lottery tickets would be in the "no with an explanation" territory for me.

[MultiMillionMiler]

@Kalvado

Yes, and with everything. You could be screaming in pain in a hospital bed right in front of the doctors after an accident, and a parent will have to sign off on giving you sedation/Strong Pain Killers/IVs..etc. There was an episode of "Untold Stories of the ER" where some 4 year old girl fell on a cactus, was impaled with cactus thorns all over her body, and the doctor strongly suggested sedation..the parents refused, so the little girl had to suffer for hours as the doctors used tape to rip off a few hundred at a time out of her bare skin. The parents made her suffer through the whole thing, and if it were a 17 year old begging for the pain killers/sedation, his/her voice wouldn't have mattered. You people are right, these hotel/gambling/bank account technicalities are nothing compared to the extreme cases of this, but they are the symptom of the same problem. Whatever your opinions of these lesser things are, age limits for all medical decisions need to be abolished entirely, no exceptions, for both receiving AND refusing, any medical care/Psychiatric treatment/prescription medication, contraception, and vaccines.

[kalvado]

We opened a custodial account for my kid when kid was 15 or so... kid has an ATM card and full access to it.  The account also shows up when I sign on to online banking, which is handy for being able to move money to kid's account without a wait for it to clear.

It's a parent's job to make sure their kid under 18 is spending their money reasonably.  Usually that's agreeing with what the kid wants, sometimes it's saying no with an explanation. Buying a bunch of lottery tickets would be in the "no with an explanation" territory for me.

And that is exactly what MMM sees as discrimination. Why do you think you have a right to say "no", with - or without - an explanation?
I certainly think that even 18 is to early for some people (and maybe too late for others), but  that is definitely a question any teen may ask.

[kalvado]

@Kalvado

Yes, and with everything. You could be screaming in pain in a hospital bed right in front of the doctors after an accident, and a parent will have to sign off on giving you sedation/Strong Pain Killers/IVs..etc. There was an episode of "Untold Stories of the ER" where some 4 year old girl fell on a cactus, was impaled with cactus thorns all over her body, and the doctor strongly suggested sedation..the parents refused, so the little girl had to suffer for hours as the doctors used tape to rip off a few hundred at a time out of her bare skin. The parents made her suffer through the whole thing, and if it were a 17 year old begging for the pain killers/sedation, his/her voice wouldn't have mattered. You people are right, these hotel/gambling/bank account technicalities are nothing compared to the extreme cases of this, but they are the symptom of the same problem. Whatever your opinions of these lesser things are, age limits for all medical decisions need to be abolished entirely, no exceptions, for both receiving AND refusing, any medical care/Psychiatric treatment/prescription medication, contraception, and vaccines.

A very good question. I wonder what was the motivation given by those parents.

[MultiMillionMiler]

Anyone under 18 can't buy a ticket anyway, but if it were legal, that's a Grey area. I buy one mega and one powerball ticket a month, is that unreasonable? I don't think it would have been any more or less reasonable had I been doing that when I was 14. But since they can't anyway regardless of what the parent says, it's not like that would even become an issue. Some things are just so simple you don't need every single synapse of your brain fully developed to understand. It's severe issues like medical autonomy that's the problem. But even lesser issues such as renting a car, could become severe if the person may be stranded without one. In those cases they should make an exception for the 23 year old.

I don't know the reason, one wasn't given in the video I saw of the account. Either,

1. Fear of potential risks of sedation
2. Religious Reasons

Note that even for a fear of risks, that doesn't justify forcing someone to suffer. The doctor looked like he was trying to hold back busting the parents heads in, but legally couldn't deviate from their "no". Probably the reason that story made it into the series, not the accident itself.

[kkt]

We opened a custodial account for my kid when kid was 15 or so... kid has an ATM card and full access to it.  The account also shows up when I sign on to online banking, which is handy for being able to move money to kid's account without a wait for it to clear.

It's a parent's job to make sure their kid under 18 is spending their money reasonably.  Usually that's agreeing with what the kid wants, sometimes it's saying no with an explanation. Buying a bunch of lottery tickets would be in the "no with an explanation" territory for me.

And that is exactly what MMM sees as discrimination. Why do you think you have a right to say "no", with - or without - an explanation?
I certainly think that even 18 is to early for some people (and maybe too late for others), but  that is definitely a question any teen may ask.

That's the right and duty of a parent to say "no" when required.  Kids are not born with good judgement.

Regarding, MMM's cactus story, if it's true at all, there is a potential cruelty charge toward the parents, even possible loss of parental rights.  Oh, I see this was reality TV, so it's more television than reality.

[US 89]

I got a credit card on my own when I was 20, precisely because I needed to book a room at a hotel that required a credit card, after two years of junk mail and emails begging me to open a credit card.

[kalvado]

We opened a custodial account for my kid when kid was 15 or so... kid has an ATM card and full access to it.  The account also shows up when I sign on to online banking, which is handy for being able to move money to kid's account without a wait for it to clear.

It's a parent's job to make sure their kid under 18 is spending their money reasonably.  Usually that's agreeing with what the kid wants, sometimes it's saying no with an explanation. Buying a bunch of lottery tickets would be in the "no with an explanation" territory for me.

And that is exactly what MMM sees as discrimination. Why do you think you have a right to say "no", with - or without - an explanation?
I certainly think that even 18 is to early for some people (and maybe too late for others), but  that is definitely a question any teen may ask.

That's the right and duty of a parent to say "no" when required.  Kids are not born with good judgement.

Regarding, MMM's cactus story, if it's true at all, there is a potential cruelty charge toward the parents, even possible loss of parental rights.  Oh, I see this was reality TV, so it's more television than reality.

There were multiple well-documented stories about less-than-reasonable parent's medical decisions. From refusal (or enforcing) cancer treatment of a sick child to a recent refusal to allow kids get their covid shots.
A lesser, but equally health-related situation is enforcing diet - notably uneducated vegetarian or vegan - on kids.
In a grand scheme of things, parents do have to say "no" sometimes, no question about that. But there may be a reasonable no, questionable no, and idiotic no. My best argument is that parent in general is less likely to be unreasonable than a child.

[dlsterner]

I had no issues opening a checking account when I was 17.

[MultiMillionMiler]

http://childrenshealthcare.org/

Well here is a good compilation of the idiotic (I'll argue deliberate abuse) "NOs"

[Roadgeekteen]

MMM you are bringing up medical decisions. That's an issue I agree with you. But letting kids and young teens just make whatever decision they want, the downsides outweigh the benefits.

[Roadgeekteen]

https://www.google.com/amp/s/amp.theguardian.com/us-news/2016/apr/13/followers-of-christ-idaho-religious-sect-child-mortality-refusing-medical-help

Found this article. Of course it's fucking Idaho. Fucking barbaric.

[kalvado]

https://www.google.com/amp/s/amp.theguardian.com/us-news/2016/apr/13/followers-of-christ-idaho-religious-sect-child-mortality-refusing-medical-help

Found this article. Of course it's fucking Idaho. Fucking barbaric.

Given a large enough group, there are going to be all sorts of extremes right there. And if you think you're not seen as an extreme by some other people in certain situations - think again...

[Roadgeekteen]

https://www.google.com/amp/s/amp.theguardian.com/us-news/2016/apr/13/followers-of-christ-idaho-religious-sect-child-mortality-refusing-medical-help

Found this article. Of course it's fucking Idaho. Fucking barbaric.

Given a large enough group, there are going to be all sorts of extremes right there. And if you think you're not seen as an extreme by some other people in certain situations - think again...

The problem is that the Idaho politicians won't do anything about it. And these aren't some random cult, these are our elected officials who are failing us and our children. We can all agree that murder is wrong, but at least if you get caught murdering someone you go to jail.