I think I get the homeschooling analogy, but not sure.

I never got allowance (and my parents were terrible with money). Eventually I got a job because I needed some spending money - but didn't develop any good money habits until I was ... in my 30s? I had nobody guiding me and every dollar I made burned a hole in my pocket. I actually racked up a lot of credit card debt when I was 18, because I did not understand anything about savings or the implications of debt.

I look at allowance as a tool for learning about money and to develop a healthy relationship to money.