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> I can purchase alcohol from Amazon UK with no obvious age checks

Using your UK credit card? If so, that's an age check in itself.

Here’s a common UK bank (well, building society technically) that has a Visa debit card for their kids account from 11 and up: https://www.nationwide.co.uk/current-accounts/flexone/

Yes, my kids had debit cards too. But not credit cards; those have a minimum age of 18.