I think you have a fair point, I like to blame their irrational choices on the fact that despite being mentally older they still have the brain of a child so they may make decisions based more on emotion rather than logic sometimes. Obviously this idea can only go so far as they do have the knowledge of a fully grown adult which a normal child lacks.
I'm sorry if caused a misunderstanding I consider people children if they are strong enough to fully support themselves. Like how I consider myself a child im only fifteen I'm not ready or have resources to support myself on my own yet. Also not alot of adult can make rational decisions but. Its not my place to tell u how to think or act to just wanted to let u know my perspective.(⌒▽⌒)
So I was thinking about reincarnation isekai if the die at 20 and make immature choices as a child in a another world you can't blame them because they're technically aren't adults and never were because legally you're an adult at 18, realistically, most are adults somewhere between 25 & 30 so the where children from the start. What do you think?