The common view we have of teenagers, as devoid of any agency, vastly underestimates them, not only that, it excludes them for the "res publica": the participation to the public life, exclusion that emerges then as lack of maturity. All the acting out and "teenage angst", it is my opinion, is actually a call for responsibility and participation, and it is by this participation, and the subsequent confrontation with the messy reality of life that make you realize your limitation and allows you to grow out of your childish dream if they are, indeed, childing. This dampening of expectations is not a negative thing: it's what has allowed civilization to go on: almost nobody wanted to be a farmer. Keeping the door open for the odd wind of luck while living a pragmatic, if not as colorful as one's fantasies, life is the more realistic and healthy way of organize one future while the "think about this later" is a recipe for regret and depression caused by the mismatch between what it is and what I wished it were.
Or whether you have to have health insurance. If having health insurance wasn't tied to employment, just think of the opportunities that could open up.