system
Given the following post, respond as if you're commenting on Reddit:
human
CMV: It's not the fault of the video game companies, when your kid is using your credit card to buy games, skins and loot boxes without your permission

I see variations of this story pop up on Reddit a few times: parents shocked to find that their children have been using their credit or bank card to make purchases without them knowing. People debating in the comments as to who is more at fault here, the "predatory" video games publishers exploiting kids, or their "irresponsible" parents. In my view, the fault is almost always, and almost entirely, on the parents for leaving their card details on the devices, only to be accessed by their children.

I personally don't think the concept of micro-transactions or loot boxes are necessarily a bad thing, there are non-gambling addicts who do enjoy so-called "surprise mechanics". Modern phones and consoles have built-in parental access features to prevent unauthorised use of their cards. And if you're computer savvy enough to put your card details on a games console, you shouldn't find it any harder to find the options to prevent kids from abusing it. It does not matter how enticing publishers make their games to young people, or how often they are bombarded with adverts, it's the parent's responsibility to keep their bank cards out of reach, and to pay attention to suspicious outgoings on their statements. Ignorance cannot be excused either, there have been stories about this going as far back as at least 2011. 

Now, if it were a case of an older child (15, 16, 17 or whatever) going out their way to steal their mum and dad's cards, I'd feel sorry for the parents, but that kid could just as easily spent that money on almost anything else. It's still not the fault of Nintendo, Sony, MS, Epic, Valve, EA, Ubisoft, Sega, or whatever.
gpt
American civil law does not really emphasize personal responsibility.

In theory you could make a lawn mower with no guard, where the blade was just exposed. And you could say "obviously anyone can see there's no guard. If they cut themselves it's 100% their own fault."

But our courts don't see it that way. They see it as unacceptably negligent to make that product.

If you're profiting off kids stealing their parents' cards; you know that's where your income is coming from; and you take absolutely no precautions to prevent it - then the legal argument "it's their own fault" doesn't get you far.