I mean children can get debit cards. Having a bank account has never and should never be a bench mark of age.

Heaven sake I had a bank account at 12 years old.

Unsecured Credit should realistically be straight up illegal to give to children.

So no it’s not a huge deal at fucking all. Unless you have a sizeable amount of financial literacy. And don’t understand what a credit vs debit card actually mean.

At best you can make a weak argument that having to get a credit card is annoying. But 300-500 dollar low limit free credit card with no requirements or annual fees. Is available basically from every bank in the world.

Get it and throw it in a draw to rot for literally forever. Hell you can even cut it in half it and freeze the card. Making it a zero security risk.

Then you have a unusable, frozen account. That exists purely as proof that your old enough to have a credit card. Even if it’s stolen it’s unusable and still perfectly safe.

So you don’t even have to care about data breaches beyond what you currently do.