Saying you can't drive with 2 passangers at night has nothing to do with skill - if it did, you could pass a test to demonstrate that you can do this safely. Instead it's just another "you're not mature enough to do this" restriction which is bonkers. Again, you can drive this 2 ton chunk of metal, but at night? With passangers?? Phwoar, we can't have that.
Isn't it rather saying that you're not experienced enough to do this. Speaking only for myself, I passed my driving test no problem and after a couple of month of driving I thought I was a great driver. Yet looking back now with the benefit of experience I know for a fact I did some really stupid things that first year of driving and it was only luck rather skill that led to me not getting into an accident.
Again, that would make sense if it applied equally for all new drivers - but if you're over 25 then there is no such restriction, even if you got your licence a day before. You have zero experience behind the wheel but you're fine to drive in a car full of people, but someone who has been driving for 7 years but is one day short of 25 can't do it - who is the more experienced driver there?
So yeah, it's all about "not being mature enough".