[GT] child age club requirement keeps going missing

I had this issue when Businesses & Hobbies first came out, and there is a workaround (restart the game and it resolves itself) but the child club requirement option keeps going missing, despite repairing the game several times since the latest patch.

My original report: child age club requirement missing | EA Forums - 11978783

I've never used mods in these saves.

Child option goes missing until restarting the game