Are there differences if the age on Apple ID is 17?

You may want to browse this article for the answers to those kinds of questions. Make sure you have the correct country settings as some may depend upon where you live.

https://www.apple.com/legal/internet-services/itunes/us/terms.html

D. FAMILY SHARING

The organizer of a Family (“Organizer”) must

be 18 years or older and the parent or legal guardian of any Family

member under age 13 or the equivalent minimum age in their Home Country

(as set forth in the registration process).

Apple Pay Cash

https://applecash.greendot.com/termsconditions/#tandc

I haven't seen such a listing. The only thing I know of is an organizer can still set Ask To Buy in Family Sharing up to age 17 on a person.

Approve what kids buy with Ask to Buy - https://support.apple.com/HT201089