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Notes -
If they're considered mature enough to sign contracts, they should be considered mature to have to follow through on them. If there are measures taken against this, they should be age agnostic. (For instance, allowing the discharge of student loans in bankruptcy, which also discourages banks from giving out loans for useless majors in the first place.)
And therein lies the problem. If they're not mature enough to follow through on them (as the facts in evidence show), why are we assuming they were mature enough to understand them at the time they signed them?
Females in particular might have a hard time grasping compound interest.
And yes, bankruptcy is an answer in many cases... but the practical point there is that banks won't lend to people who are likely to declare bankruptcy.
So that becomes the de-facto maturity test, whether a bank considers you credit-worthy.
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