We can say that Bitcoin is an incentive to learn about finance, but we cannot say that just by using Bitcoin you are already financially literate. There are financial literacy tests, this one is from the OECD: https://www.oecd.org/pisa/test/financialliteracytest/.

I can confirm that financial literacy is really low in Portugal. The vast majority cannot save much, not because they are spenders, but because they earn little compared to the rest of Europe. People don't have an incentive to learn. Of course, it's not just because of this, but I think it's a factor that influences a lot.