The vast majority of people have never been introduced to business, economic and mathematical concepts required to understand finance. I don’t think they would use credit cards and debit cards if they had any idea what interest is. I also don’t think a lot of state financing would go the way it does if people only used a little financial sense. But you have to have financial sense in the first place. Why do you think they don’t teach financial subjects in school? Why do THEY want everyone to be financial idiots?