In Italy the national post service (which also doubles as a bank) offers dirt cheap Visa Electron debit cards called Postepay (no recurring fee, 5€ una tantum for the card, 1€ fee everytime you deposit money into the card), and the minimum age for requesting one is 14. This fostered some competition from other banks which started to offer products with similar prices and even more features (like the ability to send or receive wire transfers).
The national student card (which can be used to obtain discounts at museums and other cultural places) now also doubles up as a Postepay, so now basically every kid owns a free debit card that can use physically or online as he wants.
Something like this can really speed up card's adoption while avoiding discrimination and in fact this is what I've seen since I was a kid and I had to borrow my dad's card: now all my little cousins own their own little yellow debit card in their name and even use it often in their daily life.