Murder has no age restriction, literal toddlers can do it. Child soldiers have been a thing forever. Why is it that car insurance companies penalize drivers u

Murder has no age restriction, literal toddlers can do it. Child soldiers have been a thing forever. Why is it that car insurance companies penalize drivers under 25? Decision making. Yet the government won't let children under 21 drink. Yet it will let them die, kill, and will expose them to predatory loans and contracts. Hmm