You whooshed on the point. The obvious way to get some lard from the market is to hand Eustice 40 cents and send her off. The obvious way to let Ernesto play a game is to hand him your phone (no, it's not the only way, but be real: it's the obvious first choice for nontechnical users).

What's happened is that the default mode for usage has changed from "Here's a dollar for candy" to "Here's access to the family fortune". And that's bad. And it's not the fault of Ernesto's parents, it's the fault of the technology vendors.