Maybe, but it’s definitely true that the frontal lobes are typically significantly underdeveloped in the under-25s, resulting in impulsive behaviour with less caution and poorer long term decision making.
There’s a time in your life when headlessly jumping out of the nest is absolutely the order of the day, and it’s late teens and early twenties.
Having a safety net isn’t a bad thing at this point, at all.
I dunno. You’re probably safer making a habit of saying “no homo” as you settle in to spoon each night otherwise you’re just one overly warm night away from desperately trying to get one of your boyfriends pregnant.