Most 16 year olds in the developed world do lack an ability to understand the "real world" (by that I mean the adult experience) because 16 year olds lack adult responsibility by default. Having a part time job is not the same as working to provide food and shelter for you and your family. At 16 your parents shield you from the freedoms and consequences that come with being an adult, and with no experience of those freedoms and consequences, you can't really internalize what it means to be an adult.
In addition, the human brain doesn't fully develop until around 25, so your judgment at 16 is fundamentally flawed.
There's nothing wrong with being 16, but in 10 years you'll look back and laugh at 90% of what you know right now.