Despite PayPal's ban, there are creative ways tto get your money as a teenage. These are accounts that give you "custodial" control, so you can monitor how you are doing . PayPal uses to offer a PayPal student account, but that service was eventually discontinued. By the way;when you open a PayPal account , you are agreeing to a binding legal contract.
Even though there are other banks and financial institutioins. Paypal still doesn't give opportunity to a teenager to register and even if they do; no matter where you turn to create any online financial account like PayPal. You're going to need bank to transfer money to and fro.
So I think one if the simplest solution is to create an actual bank account that teens are allowed to use, complete with an actual debit cards, and every other benefit or go for 360 account.