Early 20s is when people peak at risk taking behavior. Add a large amount of money into the mix and the types of risks can go way up. Think go from sitting around playing beer pong, to doing coke and speeding around in a Ferrari.
Even later in life, large amounts of money can cause people to do stupid things (see many famous people), but maturity has a chance then.
Sure but that's has a somewhat less consistent feedback loop..
When I was new to driving I tended to drive around the ex-highways in the outer burbs and end up in little drag races at each light in the beater I could afford.. One time I looked over at the guy with the aggressively gunning the engine in his VW rabbit(?) and realized how utterly sad that was.
Plenty of Ferrari drivers, when they get negative feedback, probably get feedback that seems cool to rebel against instead of people exhibiting utter shame of association.
I dunno you can always drink beer and speed around in a Ford Fiesta. Irresponsibly is free.