[gibolt]

As adults not participating, it feels like a waste of money. The rewards aren't 'valuable'.

To the kids, the cost is worth it, bringing them happiness, social experiences, and a fun childhood to look back on. As long as it the amount doesn't get unreasonable relative to the means of their parents, it may be a good investment.

[allendoerfer]

Making financial mistakes on a small scale will also help to make kids financially better educated adults and prevent them to make those mistakes on a bigger scale.