I've been saying for years that we should raise the driving age to 21, and lower the drinking age to 14. That way you have a chance to learn to drink in a supervised setting with adults who (theoretically) know how to drink safely, and you have a chance to get all the stupid "hey guys, check this out!" stories out of your system before you're ever allowed near the wheel of a car.
I know it isn't like this in every state but in Illinois and Wisconsin you can legally drink under 21 when supervised by a parent or guardian (basically "family setting"). You just can't order it or buy it. The two states have different variations on the law pertaining to where you can do that. Last I checked in Wisconsin you can drink in a bar just not order the drinks and not sit AT the physical bar. You have to be at a table and the guardian must bring the drinks to you. In Illinois you can't do that, basically has to be at a home.
Disclaimer: Not a lawyer, just have relatives who tend or own bars or are in law enforcement.