No reason for your parents to be on your account. You can have your own account and have your parents set up as recipient of the funds if you die/are incapacitated. That is different than them having access all the time. Gotta cut the strings sooner or later. Might as well do it now. You can also transfer money between your account and their account via apps now. It puts you in control.

I was in line at a store in Florida. The guy in front of me had a Disney shirt on and it said ASSHOLE on the sleeve. I couldn't figure out what the hell was going on. When me moved forward the folds in his sleeve moved. His shirt actually said PASSHOLDER. The p, d and r were hidden in the folds. I guess he had season passes. Who knew?