How much money do children have?
You're joking right? The number you're looking for is an average of around $40/month from those under the age of 18 who participate in games that have in app purchases. It's a fucking HUUUUUUGE industry. It's not the children's money. That doesn't mean it isn't being spent. Your argument is like saying why does McDonalds offer Happymeals if children don't have jobs and can't afford burgers.
And in any case you miss the wider point of the "think of the children" part. We have a huge abundance of evidence that getting addicted to the concept of a chance reward system leads to gambling and higher spending later in life. Exposing children to games of chance is objectively and verifiably bad in many ways which is precisely *why* it is regulated.
2. Valve crashed that illicit economy
Your conspiracy fails in the fact that Valve has been in the crosshairs of both regulators and consumer interest groups LONG before their recent system change.
2018: Valve got fucked by the regulators in the Netherlands for their lootboxes.
2022: Valve got fucked by the courts in Washington for their lootboxes.
2023: Valve got fucked by the courts in Austria for their lootboxes.
2024: Australian government introduces regulations on lootboxes citing specifically Valve's implementation as a target.
2024: South Korea's GRAC took action against valve on lootboxes.
Pretending this is all because a few people lost money when Valve changed the rules in 2025 is just complete and total ignorance of what has been going on in this space in the past decade.