Every human being knows in his or her heart that the ability to earn a living and make decisions about the money that flows to him or her is one of the hallmarks of an autonomous life.
Children and adolescents dream of the day when they will "have their own money," because they understand that the roots of the monetary/financial system reach deep into sacred notions of individual choice and freedom. Take that decision-making capacity away from the individual, and you risk slingshotting him or her back to a pre-adolescent stance. You infantilize that person.
Seen this way, the individual