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I feel that this can be addressed at application step. Any date of birth proven to be under 18 cannot apply without an in person interview. This protects minors from taking on debt without fully understanding the implications, and puts responsibility on the lender for providing credit to a minor. If credit is provided and defaults the debt should be the lender's problem for taking such a huge risk.
Alternatively, the same premise with the exception that an adult is required as a cosigner. If the account defaults the burden is shifted to the adult as they have the cognizance to understand and take responsibility.
I wouldn't outright ban giving accounts to minors. My parents opened a savings account in my name and kept it in good standing. This gave me a big credit boost that my peers never had. But I realize I am an exception, and the problem others face is very real.
Companies don’t care. I had a collection agency call me before wanting paid for an unpaid Direct TV bill from when I was 13 that my dad had taken out in my name. I had to get him to read the part on Direct tv’s terms stating that no one under 18 can activate service 4 times before it finally registered to him and they dropped it. Still had to get it removed from my credit report too.