The "lower age bracket" I referred to, though, isn't so much 12 and 13 year olds as is is 16-20 year olds who still are an active part of the demographic but typically do not make as much money and are going to school and the like and can't afford to buy games as often as they'd like. These are people who would have access to credit cards or check cards.
Also, before I had my own check card, my parents were helpful in my online purchases by loaning me their credit card for the purchase and then I immediately transferred the money back to them in return. Keeps parents involved in their kids' lives, at least in some way



