We are allowing our children to make their own choices when they are adults. If they want to opt-in to SSN as adults, they will be able to do that. America is eager to let children choose everything including their gender, so why not preserve their SSN choice until they are an adult?

Last week I opened yet another savings account with name roughly "baby girl trust" and the tax ID I got that morning from IRS website for the _trust_. New account setup was super easy because I had everything the credit union wanted for their back office.

I luckily had a lot of free time and motivation to learn this stuff. Most Americans don't know and presume it is therefore not possible.