I am a year one player, and yes I am included in the younger part of the community, 14 turning 15 in a month. Still though, I pay off what I want myself because I save my money and do little things such as mowing lawns and all that stuff to get a little pocket cash, and i think it would be pretty cool not for me but for anyone who uses there own money to pay for things like this to get a little breather.