By the time I was 12 I was taking the El home from school, a consequence of my decision to participate in after-school Jazz band. But that's the thing, it was my choice. If I wanted to be in the band, then I'd have to take the train as my parents couldn't pick me up at that time.
By the time I got to college, it was painfully clear which of my fellow students in the dorms had never had to do anything for themselves before. They were very nearly incapable of caring for themselves, be it their living spaces or navigating life in a new city.