Adulthood isn’t binary, it’s a process. This is pretty much captured by how the law sets age limits: In the US you can drive at 16, vote at 18, buy booze at 21,

Adulthood isn’t binary, it’s a process. This is pretty much captured by how the law sets age limits: In the US you can drive at 16, vote at 18, buy booze at 21, and become president at 35. Loans that will take decades to repay are arguably things that we shouldn’t expect younger adults to fully grasp.