I have a 20 year old like that (plus another 20 year old, 22, 25 and 27, three are currently broke college students), but he does pay me back when I Venmo request it. He’s a commuter, we own the car he uses, when it comes to money, mom doesn’t play! ETA he did go away to college freshman year with a whopping $10 in his account, he worked, but voted most likely to order DoorDash every day (even at family parties). He now works 30 hours a week while going to school, and spends a bit more responsibility I think, I hope.