We’re all responsible for our own choices.
If we feel someone is taking advantage of us, the way that person is treating us isn’t love. No one wants to be valued only for their looks or for their money.
If it doesn’t feel right, break it off and spare yourself the guilt. Its not your fault.
What you say is true; however, younger people don’t really have the capacity to think that way until they are older. Peer pressure and expectations from parents and relatives, coupled with the reality that you have no means to support yourself outside of your current reality, all factor into why kids take paths that, to an independent adult, may seem hard, but appropriate and doable.
They can lock themselves into a future they never intended and it can seem like there’s no option to change it. The knowable is better than the unknown.