Even if an 11 year old makes her/his own money, I don't think they have any idea of what they are doing at that age. This is when parenting kicks in.

As for situations like that of the kid you take care for, it's not right as an adult to let a child go, regardless whether or not her parents are present in her life. As responsible adults we must assume the status of role models for children in this situation.

As you are doing by mentoring.

There's no way you can blame something like this on a child, but we can show them toward a better direction.
piece,
R.