So what do you say to the studies that say the frontal lobe isn't fully developed until mid 20s? Why arbitrarily make the cut off age 18?

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Because at some point individuals must take full ownership of their actions. We shouldn't be waiting until a quarter of our life has gone by to do that. Also, you can serve in military at 18 fwiw. I wouldn't argue with dropping it to 16 either. Age of consent and all other"adult" activities should be the same. We keep raising it and as a result we have a bunch of reckless irresponsible young adults running around who think they are entitled to everything and take no responsibility for their actions when our forefathers at the same age were getting married and starting their families...

I think an argument could be made that young adults (and teens) have always run around being entitled and taking little to no responsibility for their actions, it's just the consequences for doing so now are substantially lessened.

Shot gun weddings were a thing for a very very long time and are the epitome of not considering future consequences.

I don't think forefathers are good examples to draw from if not only because many of their more negative qualities were filtered through lenses of historical idolatry but they were also a bunch of rich kids compared to the rest of society.

I'm not really arguing one way or another but it's an interesting topic of discussion.