Thank you for your response @ askbarnabas, but I am not looking for people's opinion, I am looking for facts.
In the past, if you did not have Apple Cash set up the system will alert you with the following message "<insert name> cannot receive payments sent with Apple Pay at this time". Now, it lets you send cash even though the user has never set up Apple Cash. If the user is under 18, you have to wait 7 days for the funds to be sent back. This is not right. Why the change? Could it be because it automatically forces users to set-up Apple Cash? And if they're under 18, Apple gets to use the funds for 7 days? Did Apple discover a revenue generating opportunity even though it negatively impacts their user?