How does earning build independence?
The tween years are when a kid starts wanting real autonomy, and screen time is often the first place that tension shows up. Earnest gives some of that control back in a structured way. Because every quest has a clear value and the time bank is theirs to spend, a tween learns to weigh choices: do one more task now for extra minutes, or save coins over the week for a reward worth waiting for. You are not handing over the rules, you are handing over the decisions inside them. The parent still writes the quests and approves the work with a PIN, so the boundaries hold while your tween practices managing their own time.
