When my younger son was five, he begged me for yet another toy. I asked how he thought I was going to pay for it and he said, "You just tap that plastic thing and you get money." Cost of living crisis? Solved! My kids are nine and eleven now, and I like to think they’re a bit more money-savvy. But then they go and spend all their birthday cash on Roblox, and I realise, perhaps not. I’m not alone.