My fiancée had at least two hookups with mature men in their 50s when she was in her early 20s.
I strongly suspect that she let herself be fucked bareback! Why? Both times there was a lot of alcohol involved.
The first adventure was on vacation. She went with the mature man from the bar to his hotel room. I can't see a handbag on her in any of her vacation photos from the evening. Where could she have had condoms with this outfit?
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The other time was after a girls' night out in a nearby town, and here too she went to his hotel.
She was definitely on birth control at the time.
And crucially for me, we had sex very quickly after we met, without alcohol and without a condom!
And ultimately, when a mature man has the choice to fuck a 20 year old young woman with or without a condom, how does he decide?