Most toy machines are frustrating to operate.
Janome puts out a really cute little machine that actually works and doesn't cost more than the toys. I bought this one for my granddaughter and she loves it.
http://www.overstock.com/Crafts-Sewi...7/product.html
Janome has another version in a Hello Kitty theme that's about $100. Overstock.com has them here:
http://www.overstock.com/Crafts-Sewi...0/product.html
Be sure not to get the chainstitch version. :)
You can buy finger guards that fit any low shank machine. sew-classic.com has them:
http://shop.sew-classic.com/Finger-N...nes-SCF020.htm