Once a Kid hits 12 and 13 (girl and boy respectively), they have the halachic obligation to do mitzvos. That does not ensure that they are mature. In the olden days, when boys and girls actually had real farm type chores to do, they did mature a great deal faster than the children of today. We spoonfeed everything to our kids, they have a sense of entitlement such as no generation never had before. They do not truly respect their elders or generations that have gone on before them. They are neither mature enough to marry and raise their own children,nor sufficiently intelligent to know what real life is all about. Not at age 12 and 13. Not nowadays. There are exceptions to every rule, but generally speaking, adolescents are not ready to take on the world, much as they beg to differ.
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