Core Viewpoint - The article highlights the increasing trend of underage individuals engaging in high-value online transactions, particularly in gaming and live streaming, raising concerns about their financial literacy and protection [2][3]. Group 1: Trends in Underage Online Spending - The number of cases related to underage gaming charges and live streaming tips has reached nearly 700, with the highest single case amounting to 3.1 million yuan and an average case value exceeding 80,000 yuan [2]. - There is a notable trend of younger consumers making larger transactions, exemplified by a case where a minor spent over 40,000 yuan in one night for a gaming item and another case where a minor tipped 80,000 yuan during a live stream [2][3]. Group 2: Judicial and Regulatory Responses - The Beijing Internet Court has established itself as the first internet juvenile court in the country, emphasizing the protection of minors in online environments [3]. - The court has introduced guidelines to promote online literacy and family education, focusing on preventing irrational spending among minors and encouraging responsible financial behavior [3][4]. Group 3: Practical Recommendations for Families - Families are advised to enhance account security management by safeguarding online accounts and payment passwords, regularly checking account activity, and utilizing "minor mode" features to set spending limits [3]. - Establishing family rules regarding internet usage is recommended, including creating a "family internet agreement" that outlines daily online time, content access, and device usage rules, along with a reward and punishment system to encourage compliance [3][4]. - Encouraging children to understand the value of money through practical experiences, such as using cash and participating in family budgeting discussions, is also suggested [4].

Core Viewpoint - The trend of underage consumers engaging in high-value transactions, particularly in gaming and live streaming, is increasingly concerning, with a significant rise in related legal cases [2][3] Group 1: Trends in Underage Spending - There is a noticeable trend of younger consumers making large payments, with cases involving refunds for underage gaming and live streaming payments reaching nearly 700, with the highest single case amounting to 3.1 million yuan and an average case value exceeding 80,000 yuan [2] - Specific examples highlight the severity of the issue, such as one case where a minor spent over 40,000 yuan in one night for a game item, and another where a minor tipped 80,000 yuan during a live stream due to misleading promotions [2] Group 2: Legal and Institutional Responses - The Beijing Internet Court, as the first internet juvenile court in China, emphasizes the protection of minors in online environments and has developed guidelines to address irrational spending among minors [3] - Recommendations include enhancing account security management, establishing family rules for internet use, and promoting financial literacy among children to foster responsible spending habits [3]