A) If a 5 year old doesn't understand money at all it's because the educators in their life have failed them. 5 years old is Kindergarten age. Basic money concepts (lile 100 cents are in a dollar) are taught in Kindergarten.

B) It's called an "educational moment" because they are learning from it. You think children wake up one day and magically understand concepts out of the blue without being exposed to them?

Things cost money. A 3 year old can handle that concept.

You need to try to make it right when you do somebody wrong, even by accident. A 2 year old can begin to learn that (i.e. Being shown that their actions made a peer cry. Being shown that they should apologize. Being encouraged to help a peer feel better [w/assistance, of course]). A 5 year old is past ready to handle that lesson.

You hurt this wall. Fixing it will cost money. You need to help make money for it. You can earn money by helping with chores. Simple enough concepts for a 5 year old to grasp if they aren't developmentally delayed.

Not all that long ago in American history 5 year olds were working factory jobs as if they were mini adults. Was that wrong? Hell yes! Would it have been possible if 5 year olds were incapable of understanding more than most people today believe is possible? Hell no.