"Financial literacy" is victim blaming. Our economic system doesn't need to be this complicated. You're forced to invest or else your savings are destroyed by inflation. But these investments all involve trusting various institutions, and you have no way of knowing which ones are safe. Oh and don't put it all in one place; you need to find multiple solutions. By the time you're old or disabled, it's your fault you're in this mess.

Our economy is essentially forcing the public at gunpoint to make a prediction about topics they know nothing about. It's a design not for the humans who exist, but for perfectly informed spheres.