It is certainly true that the frænulum is often (or normally) attached immediately behind (under) the "lips" of the meatus, which are on either side, so to be attached "directly" to them, it would effectively have to split, one part to each side.
I am wondering whether your meatus is actually at the "pointy" tip of your glans, or whether it is more on the underneath, and you have a minor degree of hypospadias, which would tend to go with a short frænulum.
In either case however, have you carefully considered the stretching approach we advise here for this problem, in which you do not pull the foreskin back
, but pull on the point at which the frænulum attaches to the foreskin, stretching it away
from the penis?
As I frequently point out, this is such a simple approach, which can be done with one hand and without removing clothing, that it should even be able to be done almost anywhere where your lower body is partially concealed - perhaps sitting reading/ studying - so that you can stretch it firmly but not painfully, for (many) minutes at a time, throughout the day.
And as always, yes it might tear during intercourse if
you are clumsy and over-enthusiastic. Does that happen to 18-year olds? Hmmm!
(A picture is always useful to describe, sometimes you can simply find
a picture that matches on Foreskin.org
or similar, and link to that.)