Totally get where you are coming from. One of our kids is 6 and is going through this learning process as well. We started taking her with us to conferences when she was 3. We asked if she wanted to sell something at our booth to earn money. She started making bracelets and people paid directly to her lightning wallet that she showed them on a sign we made for her. This was step one if helping her understand the value of work and money.

After each conference she has to save 60% of what she makes and gets to choose if she wants that in bitcoin or USD. She always chooses bitcoin "because bitcoin goes up." The other 40% she can spend on whatever she wants.

I think the key is teaching them that there has to be a balance between saving and spending. Not easy, but the earlier you start the better.