Crazy that 14 isn't underage where you live, wonder which country that is. Argentina?
But you have a point to some degree, as loli is a sexually immature character, but I'll remind you that 14 is still well before the human body is finished sexually maturing.
It also counts as loli if they have a child-like body despite an adult age, but some people argue. To me, it's a cartoon, the age is meaningless, it's just about what the character visually resembles. But not important here, since 14 is still a sexually under developed age.
I would say it's not loli if a character is a teenager but they look adult enough. Like Nagatoro. Sexual maturity is primarily what it's about. I think that huge titty sniper girl from Guren Lagen is 14 too? She's not loli. Very sexually mature body.
The more I think about it, the more I understand your logic.
But you see my point of view too, now, I assume. She has no tits, her hips aren't very wide, she's visually a loli, which is the only certain metric you can ever rely on
