"Their brains aren’t developed." I don't know about that. On average girls mature faster in their teens than boys.
What "Lolita" isn't is a handbook for forbidden lust.
It is perhaps the ultimate psychological drama as we delve further and further into Humbert's thoughts and justifications. We can all recognise elements of ourselves in his feelings whether it be our desire for chocolate, or the self-destructive urges of trying to collect some rare objects.
"Moby Dick" has a similar theme.