As far as the 14 year old, prior discussion will show that the Sheriff will issue them a temp/voided license and assess points that will carry over to when they do obtain a legal license.
There haven't been many recent reports of golf cart speeding tickets but a couple of years ago there was an intense enforcement period. I know of someone who got a ticket for 24-25 on Oak Forest Dr and had to pay the $300+ ticket. There was a sheriff's log distributed by email that showed a number of golf cart speeding tickets. So, yes, it does happen and is not an urban legend.
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Maryland (DC Suburbs) - first 51 years 
The Villages - next 51 years 
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