My 17-year-old daughter has a checking account with a check card, so she can buy gas to put in her car.
She drives 30 minutes one way to school then goes to work. She works part time to pay for her gas and thus far has managed her money well.
Somebody hacked her bank account online and bought items in another state, running her balance into the red. She found herself very low on gas late one night after leaving her job. She attempted to use her check card to pay for gas and it was denied, leaving her stranded.
It took months dealing with the bank for them to realize my school-age daughter couldn't have been several states away buying items in a store when she was either in school or at her job.