> Are their decisions good ones? No, not really. But at 18 I can’t really fault someone for not understanding the decades long implications of interest payments

> Are their decisions good ones? No, not really. But at 18 I can’t really fault someone for not understanding the decades long implications of interest payments and job market dynamics. Funny thing I’ve noticed. 18 year olds are either fully developed adults with full complete knowledge of their choices and the nuances around them, or complete idiots who wouldn’t be trusted to to make big decisions depending on what issues you’re discussing.