Yes, the maturity jump from 16 to 19 is marginal at best. If you generalize from crime statistics, a 19 year old is actually more likely to be dishonest than a 16 year old. Criminality peaks in the late teens and drops in the early 20s.
(Yes yes I know, Pinkerton are evil. they have the best plot of this correlation I could find. The crime-age correlation is the strongest that exists in the entire field of criminology.)
I wonder if you plotted "risk/reward" behavior during that same time if you'd get a similar curve, just going to show that adolescents are bad at risk/reward calculations.
https://pinkerton.com/our-insights/blog/age-crime-curve
(Yes yes I know, Pinkerton are evil. they have the best plot of this correlation I could find. The crime-age correlation is the strongest that exists in the entire field of criminology.)