Not true, we do this because the 99% of the time it's true, however there are people who would be perfectly competent and responsible to drive without living to the age of 16-18. Same with voting, there are humans who have a deep understanding and intelligence about politics at a younger age than suffrage. Equally there are people who will be reckless drivers at 40 and vote on whim at 60.

We have these rules not because sophistication only comes through lived experience, we have them because it's strongly correlated and covers of most error cases.

To take this to AI, run the model enough times with a higher enough temperature, then perhaps it can solve your challenges with a high enough quality - just a thought.