What changes
This is the age of the first bank account, the first job, the first real money and the first scams aimed at an adult. It is also the last window in which a household can teach any of it while still being in the room.
What the household does
- Monitoring wound down deliberately and visibly, not left to lapse
- Their own accounts, their own passwords, their own recovery codes — set up correctly once
- The adult scams walked through: job offers, deposits, crypto, romance, the fake landlord
- The household plan handed to them as their own, to take with them
Do this now Wind the surveillance down on a date you name in advance. A protection system that ends the day a child leaves teaches them nothing; one that hands over gradually teaches them everything.