You write: “That may surprise you, but it is hard for me to be totally comfortable with dropping the age to 18. You see too much of the dark side of gambling when you live here to want teenagers exercising those judgments, new credit cards in pocket. I would not have made good choices at that age.”

It doesn’t surprise me at all. That sort of discomfort is perfectly natural. It’s also unfortunately common for people to try to use their own personal discomfort with someone else’s decisions as a justification for coercing other people into acting in ways that make you feel less personally uncomfortable.

It’s good that you have the self-insight to know that you personally would not have made good choices when you were 18; and you certainly have a right to be concerned for other people’s financial well-being. You should of course feel free to express these concerns to any 18-20 year old who asks for your advice. But 18-20 year olds are, after all, young adults, who are legally and morally responsible for their own financial decisions. What do you think would give you the right to make a decision on the matter for all 18-20 year olds everywhere, and then impose that decision on them with or without their consent, rather than allowing them to make their own decisions — and their own mistakes?