It is commonly stated that the prefrontal cortex typically is not fully functional until as late as age 24. If true, this must be an average figure.
If one considers young children that, due to circumstances, are required to act responsibly and independently, far beyond their chronological age, and how they continue through their adulthood to being very responsible and independent.
On the other hand, consider the child who has a "helicopter" mom or other overindulgent caregivers, and how everything is done for them so they often do not act responsibly or independent. This lack of character building then results in an adult who continues acting like a child who is undisciplined, unethical, and irresponsible.
Of course, a middle ground is needed for child development to result in an adult who is well-balanced.
Are my impressions supported by empirical evidence or well-founded theory? Is there a neuroscientific explanation re. the plasticity of the brain?