In terms of alcoholic beverages and age, studies show that raising the age limit has reduced the amount of automobile accidents and other things related to alcohol. The decision to allow drinking at age 21 also has to do with brain development. Of course, these laws don't entirely stop teenagers from drinking, but it does help.
In regards to having sex, or any action humans can take, I don't think anyone should do it if they can't handle the consequences.
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