This sort of cavalier attitude is going to get them in trouble; I'm honestly surprised that this hasn't already gotten them into trouble. Hack Club has enough money that they can easily be a worthwhile target if any of their decisions turns out badly.
I'm going to be a bit oblique here because I don't want HC to take this out on my child, but at one of the HC events, the "figure it out for yourselves" lead to our child making decisions and taking actions that could have very easily turned into life threatening. Another situation led to our child being "ditched" in a foreign city and unsure how to get ahold of anyone on the ground to help.
Hack Club is a great idea, and I'm glad it exists, but I do think that the way it is currently organized is going to end badly.