Here in NY state, now you have to pay for everything up front when you get your permit... the written exam, the road test, the 5 hour safety course, your permit and you license, all due up front. Once upon a time you paid as you went, which meant you could spread the cost over time. Now, a kid is expected to pay close to $200 up front.
And none of this is taking into account the job markets in areas. Kids and adults are competing for the same jobs. I live in a tourist area, with a lot of seasonal jobs with very little manufacturing. Once upon a time the seasonal jobs were filled by the kids in the summer and then back to school. Now those seasonal jobs are being filled by adults, trying to make ends meet.