The "Freedom" thing should extend to liability and insurance. IF you choose to let a 13-year-old drive your golf cart, and IF there's an accident involving your 13-year-old behind the wheel of the golf cart, THEN no one's insurance will cover damages. Her health insurance won't cover her injuries. The guy she hits will have to sue the owner of the golf cart directly, and/or the girl's parents. Whoever owns the golf cart will have any claims on their own insurance for the accident denied.
AND - whatever adult is legally responsible for the child at the time he/she was behind the wheel - gets a ticket, and arrested for reckless endangerment of a minor child.
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