Actually you're making incorrect assumptions.
I started losing hair when I was 17 years old.
I got rejected from a hair transplant at 20 years old, which was the best thing to ever happen to me.
Why? My hair loss pattern progressed ALOT and having a HT so young, I would of required 3-4 surgery's and exhaust my donor supply. OR I could of had a HT and have all the hair behind the transplanted hair disappear and look like a complete fool. Let alone having the finances at the time to do multiple procedures from a top clinic was not possible.
I am 28 now and finally the loss has stabilized. I agree with you about having hair at a young age and enjoying yourself, but you have to be smart and plan carefully.