Ages of consent (no matter the context) are basically ballpark guesses. It’s not like every 20 year and 364 day old lacks the mental capacity to responsibly drink alcohol and every 21 year old does. As a society we’ve settled on these ages as being reasonable averages. It is what it is and absent any realistic alternative (cognitive tests before a browser launch is permitted?) it’ll stay that way.
In society we consider consent/contracts that were entered to without understanding by one party to be null and void in many scenarios. Its a reason for example that most EULAs are dubiously enforcable (ofc it depends on how reasonable the eula clause being litigated is) there have been a good few rulings that release users from having to abide by them because they can't be expected to know their own obligations for every one of myriad services they use daily.