This brings up a huge peeve of mine. But, before I get started, let me say that I'm very impressed by the attitudes of the parent divers on this thread. I too have a 13 year old. She really wants to become certified, but she is just not there yet in terms of independence and maturity. If she can't manage to get her homework done, how can she study for the class? We snorkel, etc... and will take it one step at a time.
But, as for the issues mentioned above, take it a step beyond gaining a ccard (wrongfully or rightfully)... what about the responsibility of the parents and DM? Twice now I've had dives nearly ruined because of a youngster on the dive. Ironically, both 12 years old. Once, in Cozumel, the DM and parents allowed the kid to go down to 90 feet. He was all over the place (I cringe to think of what he was doing to the coral). I was the lucky one that got to follow him through the pass thru, he nearly drowned me when he panicked because his bouncy was off. IMO, he should never have been allowed to go that deep. His parents? Ahead enjoying their dive.
Then, in Fiji the same circumstance. This time a 12 year old girl. She was pretty capable in the water, but often times we were 70 or more. Anyway, same thing. Zooming all over the place, killing both visability and coral. My gripe here is that she hadn't learned respect for us or the sea life and her parents did not think anything of it. She latched on to me and my dive buddy because we were younger and not her parents. When I got tired of being kicked in the face and missing all the cool stuff because she was scaring it away, I motioned for her to buddy up with her parents. Have you ever seen an underwater temper tantrum? Her parents didin't talk to us the rest of the day/evening. At least the DM apologized.
Sorry for the rant, but both of these kids obviously passed. In fact, they were decent divers. At some point, however, parents and DMs need to think about what you all so astutely talk about in this post. Are the conditions being dove appropriate for the age and maturity level of the diver?