I know what you're saying, but you have to be careful in using the term "love" in this context.
When we love others we will the greatest good for them. Choosing to engage in intercourse before marriage doesn't qualify as love. Lust may be a more accurate term, although it can exist along with affection.
We could debate this all day. Take 10 people and they will define what is okay and not okay 10 different ways. I'm an insurance guy. Live a simple set of rules. Reduce your risk and insure the occasional accident. There will always be the occasional accident. I'm taking the approach of overlooking all youth, vs. teaching what is right or wrong. My thoughts were not geared on what is right or wrong but on what is real in our world. I'm not in a position morally or intellectually to preach right vs. wrong to the public.
I just keep getting in deeper. Better quit while I'm ahead.(ahead..that's streatching it a bit)