As someone who has studied finance and worked for decades to get those around me to take responsibility for their money and investments I can tell you that most people's eyes glaze over when discussing money. Over time, most close friends and family end up asking me to manage their money, which is counter to the point I'm trying to get across.

This will break, but it will take time. Focusing on the developing world, plus the unbanked in major economies is they way. They can skip the banking infrastructure just as developing countries skipped landline communication tech going straight to mobile.