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Can you give a justification for either of those things? Would you not let your older child be on your phone plan or drive your car under your insurance 20 years ago because both of these things weren't really trackable back then? If you would, what changed? I simply don't get what 'lesson' this is meant to impart on them.
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First, I responded to examples of 23 and 29 year olds. Second, I pay for my adult children's phones and don't track their locations, but I would if they asked me. They have lost phones and mentioned that they should at least setup find-my-phone and give access to someone. I would let them track me, but I'm still using a flip phone.

Vehicle insurance and owner liability is a whole different topic. I prefer to have them hold title and therefore liability, even if I were to give them the money to purchase and insure.

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I don't see how that follows, at all. You can pay the bill and not track them. Do you have them hand over their phone everyday to check their Internet history because you pay the bill? If you don't want to pay their bill, don't, but spying on your kids isn't justified and is a weird control issue.
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As I responded below, I do pay but have never tracked. The point is if you want to be independent of a parent that does not respect your privacy, then pay for own cell plan.
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this "weird control issue" is SOP for like any organization, anywhere.

if you have a corporate cell phone it's telling on you. they pay for it, they have the right to track and read anything your doing on it.

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You sound like a parent that would charge their kids rent and not claim it on your taxes.
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