I think it's the old that need to be protected more on the Internet since they disproportionately fall prey to online scams. So let's age-gate their access to online services too. If you are old and want to send money to someone, you get age-gating and second-factor authorization from a competent young person. If you want to watch porn online, believe it or not, age-gating and second-factor authorization.

Honestly, I wouldn't be opposed to that either. If we're protecting kids, we should also protect the old and feeble. Old people, people with developmental handicaps, you name it: they're being exposed to a world that can and will abuse you if you have any faith in humanity left and don't have the technical skills to identify things like fake domains and scam sites.

For some reason we're making sure no 12 year old can drive or run for any government positions, but a 90 year old can keep the driver's license that they've had since before the start of colour television, or make critical decisions affecting millions. We can't have it both ways.