I knew you weren't intentionally advancing a eugenics argument, but I have only heard statements like the OP from people who are.
It comes down to a personal belief in the capability of individuals to change. In my view the more someone believes they're pre-programmed the less likely they are to engage in behaviors to improve their lives.
I've seen tremendous changes in myself and others well past age 20. In my case it's difficult to attibute it to anything but Bitcoin. It's impossible to do a controlled study, but the before and after is enough imo.