differance lawn - I kiinda agree with you. I remember when I started at that age - not a one account would look at me. Even today some our big commerical accounts ask for big $$ insurance for liability. I cant even have guys run certain power equipment due to age. I am not sure how owner is treated but one would think 13 owner vs 13 worker - there really is no difference.
As far as the 4 wheeler thing - so be it but whether you have an 1980 or 2013 truck there is a difference of professional when showing up to an account vs a 4 wheeler.
Yes its great a 13 year old is out working but I would be advised to watch your horn toting a bit.