aries2756:
I appreciate that you have experience with children at risk. However you must understand that the Torah is unchanging and if Hashem said that a 13 year old biy is old enough and mature enough to be chayiv meesah for doing chillul Shabbos….then that doesnt change ever. You think Hashem didnt know about this generation?! You have to be careful what you are saying. Its our obligation to teach the children responsibility. Of course there are different responsibilities.
A 13 year old has to be responsible enough to keep the Torah. However I wouldnt trust him with a credit card because he lacks maturity and knowledge of a value of money. However maybe thats a problem with us not educating our kids to be responsible with money.
13 years old is not a baby. Dont try to make 13 year olds into helpless immature fools.