[marcosdumay]

> although that’s mainly out of historical reasons having to do with war and reproductive biology

It's because whatever age we start treating people as adults, they will only actually become adults a few years later.

But I'm pretty sure a large share of the actual adults aren't able to evaluate non-dischargeable debit either.

[adastra22]

Physiologically we know the brain keeps developing until age 25. In particular, the prefrontal cortex which is responsible for decision making isn’t complete until then.