Having sex is more than just being of legal age to consent.
Generally one wants to be in a position where they can be responsible in the event that there is an unwanted pregnancy.
Ideally you want to be "selective" with whom you share your body with. And if not, at least be mature and smart enough take precautions to prevent unwanted pregnancies and avoid STDs.
Last but not least everyone is entitled to have their own moral standards or life philosophy.
Know yourself, Love yourself, Trust yourself.
Only you as an individual can determine what is "right" for you.
As long as you are happy that's all that matters!
Having said that there are some people who have a very low libido and have never had much interest in having sex.