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"Persuade a 12 year old not to have it"? How is a 12 year old going to have their own money, earnt by them? They're not even teenagers!
It's only the consumer's problem if they don't read the small print, and that falls with these people's parents. If you don't understand or can't read small print, I doubt you're mature or bright enough to be in possession of a device such as a mobile phone.
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Some kids get pocket money, and even if the adult agrees there's no guarantee they read the fine print.
When I was a kid I had to justify everything I wanted, so I got trained not to buy on impulse. There was a time I asked for a nintendo for my birthday and when my dad immediately said "OK" I nearly died of shock.
Personally I wouldn't mind the company taking £100 is someone bought that annoying crazy frog song, but unfortunally if the stupid weren't protected the companies would make everything so complicated that noone would have time to read/understand the small print.