[munificent]

I agree with this 100%. I also think this is the primary driver of the old observation that people get more conservative as they age. (I'm using "conservative" in the more basic sense of "generally opposed to change" here and not in the current US political sense.)

One way to define of "experience" is "optimize for solving problems in the current environment". As you accrue experience, the best way to provide value to others is in an unchanging world that lets you leverage what you already know. When the world changes, some of your experience gets invalidated, making you less useful. So there's a natural incentive to prefer the status quo as you age, not out of any intrinsic heartlessness or selfishness, but just because you are most useful to yourself and others in a familiar world.

The young, however, don't feel this same pressure. They have relatively little experience—i.e. they aren't particularly good at getting things done in the current environment—and they do learn quickly. So they are incentivized to want change and to explore novel environments since those environments are no worse for them than the current one. Or, in other words, every environment is equally novel when you're young, so why not try a new one that puts you on more even footing with the older folks?