Your theory is that legislators mainly write legislation themselves about problems they have personally experienced? Because my understanding is that legislator

Your theory is that legislators mainly write legislation themselves about problems they have personally experienced? Because my understanding is that legislators are just the most visible person on a team, with much of the work being done by staff, who range widely in age. Based, of course, on input from constituents, lobbyists, civil society organizations, and government agencies. I think it's pretty weird to jump right to "the olds know nothing" when the problem is a niche and relatively new scam. Scammers are always finding new scams. Would I like the lag time between scam creation and scam elimination to be faster? Sure. But I'd guess that legislator age is well down the list of factors causing that.