This has not been said so I guess I will say it. The reason it is hard to get anything at a younger age than 18, is in the US your a minor which means you are not liable for any illegal issues as your a minor. If you do need an account, talk to a parent or guradian to see if he/she can help you with that. It is just a legal issue at this point. I do not think it is for any other reason than the one stated above. But I could be wrong. Also, if you want, send an e-mail or call these merchants to see if there are guidlines for an underage account.