is it bad for a 16 year old to have sex:?

Yes

Yes,

Accidents can happen the risk factor for catching an STD is very high
these days.

Umm where are your parents 💀 hope i didnt offend you

It is a bit young. Not ideal, but a heck of a lot better than doing it at 12 or 13. Besides, that's the legal age to have sex (at least where I live). It's not so much your age; it's more about when you feel ready for it.

if you understand the concept and are aware of dangers then no

Not if your ready for it and you understand the consequences.

There shouldn't be an issue about a 16 year old being physically capable of having sex but it's very doubtful they could handle the financial consequences if they weren't careful.

Hmm depends but I'd say wait till 18

a bit young for it.

I am 13 and have had sex with my girlfriend who is 16 a couple of times