I'm in my mid-sixties (and I'm not a proponent - I would never propound the recreational use of any drug). Maybe I'm not old enough to observe the effects you are referring to. But frankly I think this is arse-over-tit: I think it's young people, with little experience, that are most likely to be harmed by pot. Young people are more likely than older people to experience schizo for the first time; such people are less likely to be cautious in their use of pot. If you're over 40, and you've been using it since your teens, then I don't think you're likely to get many surprises from pot.

I did get a hypotension episode a few years ago, as a result of starting a new strain a bit over-enthusiastically. But even coffee can cause palpitations, if you drink too much just because you like drinking coffee.

My understanding is that certain high-THC strains are much more likely to give rise to psychological problems than other strains. I'm not aware that CBD as such can result in psychological problems.

Do something that alters your baseline consciousness long enough and it becomes your baseline. Doing anything over a long period of time with regularity will change you.

You have definitely met pot smokers who have, and do live perfectly normal lives because their baseline is better. You probably have no idea who they are.