A 16 year old being in control of something that could kill someone.. No thanks.
Insurance would be off the scale, it's already hard for a 17/18 year old to get 'cheap' insurance.
In Ireland sixteen year-olds can legally drive work vehicles and tractors. You only need to take a theory test to qualify too, so you don't have to even set foot in a tractor. I might remind you that tractors are x100 times more dangerous than a car, they're fucking huge and can have massive loaders on them that could fuck you up with a flick of a button.
I agree that the insurance would be off the scale which is incredibly unfair but if insurance companies are allowed be ageist then who's going to stop them?
I think it would be a positive thing actually, young people are fast learners, have great reactions and have a shitload of time on their hands. The only thing they don't have is money.