Years ago, a friend of mine whom had a huge cc debt and was sheltered under the wings of bankruptcy (walked debt free, well almost, the IRS sent him a notice of the tax due on the "forgiven" part requesting their share) anyway, this friend went ahead and bought a very expensive card, either yugio or pokemon off of ebay because my nephew wanted it. Card arrived and my friend asked my brother for the money of the card, he was given the finger in a very polite way. Kids are not adults and adults with cc's should know better on letting minors use a card for whatever reason. My brother stood firm and did not pay him for the ebay item, he gave the item back to our friend and was clear he should not be buying anything for my nephew without his dad's consent.
Now in the case an adult eases the use of a card to a minor to commit fraud is plain sick, has given the green light to a kid on how to steal and get away with it and telling right from wrong will be up to the minor, and those instances where the minor has to chose between right or wrong, will be piece of cake because in his mind "right" is whatever gains him advantage. Sad.