Check this out...
They're the same frames as the old Dirty Jo/Handsome Dog/Brand X, and at £105 including a cartridge bearing headset, they're pretty good value too. Can confirm that the 18" version I bought for my ex GF (she's quite a bit taller) only had a 22.5" TT, but was nice and light and had good geometry. Think the 14" has a 20.5" TT.
Off you toddle now and find me a 26" wheeled mtb with a 19" top tube, 16" stays and 165mm cranks..
I'll say the same to you regarding 24" wheeled MTB's. They all tend to still have 16.5" stays, a 21" TT, and 170mm cranks. They're also heavy, cheap and nasty for the mostpart! Wheelsize isn't the issue here.
That's right, you probably won't find one, but even if you did there is a very good reason there won't be any from a major manufacturer and this is because 26" (or 29) simply won't work well with such a short wheelbase to work with.
Thiis is why you see so many short people riding completely wrong sized bikes... Well, this and small person syndrome.
I'd totally disagree with you actually. I see plenty of people riding bikes too small for them cos they've been told by people the likes of you, that they are in effect a child, and need a childs sized bike! Are we not allowed to let the individual decide what feels comfortable to themselves?