By 13 you’re mostly developed. You lack life experience so you’re a little naive and you lack the final development of the brain but you’re basically a finished person.
There’s no way that at 13 you don’t understand that spending 64k is wrong. That’s an absolutely absurd amount of money. It’s like when people like you say they don’t know murder is wrong. You don’t have to be 25 to know stealing 60k is wrong.