I see your point, but I believe that age is a contributing factor none the less. It's well documented that as we age we tend to be more conservative, less open

I see your point, but I believe that age is a contributing factor none the less. It's well documented that as we age we tend to be more conservative, less open to new ideas and more risk adverse. That encompasses anything from work, hobbies, social relations and even politics. There's also another major factor behind age. As we get older our responsibilities grow while our time and energy budget shrinks. E.g. I have always wanted to start my own company, and now that I'm at the peak of my capabilities and in the strongest financial situation I've ever been I just don't feel I have the energy and resilience I would've had a decade ago, when I was younger and more naive.