[huxleypiguk]

You will find that teen bank accounts don't have overdrafts. It teaches them that they cannot spend it if they don't have it. Both of mine have had them and they have a positive take on money as a result.

Back on topic, this is why allowing young teens access to the Internet without knowing what they are doing is a a bad idea. Yes, that sounds draconian, but teenage years should be a partnership between teen and parents and that way things like this don't happen.