The 'under 21' instructors are simply a symptom of the industry at the moment - pilots are able to move on from instruction quickly, and most can skip it altogether. It's a difficult job, poorly paid, and can be very frustrating. Hence very few seriously experienced instructors.The glut of CE pilots might slow things down a little though...
I'm all in favour of introducing an age/experience limit for instructors, ie 21 or older (or some other random age), and 1000 hrs or more total flying time (or some other arbitrary number) . That way, there will be almost no instructors (so they'll be paid more), and we'll have far fewer pilots being trained, due to greatly increased costs. More jobs for us! It's a win/win scenario!