Look who is answering this question and how they are answering it. It speaks about them. If they say, “No, they will always screw you over at that age”, it’s most likely because they had one personal bad experience and are generalizing it for everyone else. That goes for each scenario. Just pay attention to how and what they say to learn about the person individually. Thank you for coming to my Psychology TED Talk.

Only those who cannot express themselves intelligently would resort to such crude substitutions in vocabulary

It depends on the level of maturity of both parties and what they are doing it for. Because you can be 55 years old and still act like a child. A 6 year difference is not that bad. Again depend on the maturity of both parties