I like "if you want a phone you can buy one". If the kid's up to getting and keeping a job long enough to save for a phone and service, good for them, they just proved they should be treated that much more like an adult. If not, then hey. Something to work towards

I had a dumbphone at 14, but back then we just called them phones and I was definitely in the 1% for having it. Wasn't talking to my parents, bought it and a car to sleep in with drug money. Everyone grows up at a different pace