Unfortunately crypto is already complicated as is. And as the other user said bitcoin isn't the best choice. Monero would be as close to the overall goal as it is possible.
Now using monero would be more anonymous than credit/debit cards making it a better option - but not many vendors support it, and cash is just simpler than any other option.
How about just get rid of those so called predatory algorithms for everyone. Oh wait it was never about children nor teens but control.