Bad habits or not, it comes down to experience. One trait that most pilots share is that we are easy to train and we are able to easily adapt our past experiences to future situations. Look at it this way: who is the better driver? Junior whose license is hot off the press? Or someone who has been behind the wheel for 10 or 15 years? If you are not sure of the answer, call your insurance company. They don't just make up those numbers for 16-25 year old drivers. The difference is experience and maturity.