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Man, as a frustrated parent deeply invested in the Apple ecosystem, I hate to point out that this is just one of the many problems with screen time.
Right now my kids (teens with phones that are stripped down iPhones) can turn on personal hotspot to create their own internet portal that is totally free of any of my device restrictions as well as any of my control at our household router. I have T Mobile in the USA. Despite the existence of a toggle that would suggest restricting a user from changing cellular data settings, the toggle doesn't keep personal hotspot locked down.
In my conversations with Apple and Tmobile each punted. T-Mobile claims that as it is part of my plans core services, I cannot temporarily disable. Apple claimed to me that the personal hotspot feature was set by carrier and could not be locked down at the OS level.
While I find Apple's stance hard to believe, the end result is that millions of kids are walking around with the ability to access anything. This is so much worse because Apple markets the products as having capabilities that they simply do not deliver on.
Hard to imagine why this doesn't have more attention on it.