Don't you think exactly from lower to upper middle class, what most non-financials first need in a financial advice is Knowledge-Made-Simple? People hardly budg

Don't you think exactly from lower to upper middle class, what most non-financials first need in a financial advice is Knowledge-Made-Simple? People hardly budget, don't plan, don't know how much their non-financial assets depreciate, etc. Hard to get a robo-adviser to work for you, if you don't know what questions to ask. I see the upside, robo-advisers make financial advisors (not advice) cheaper and thus financial planning more accesible. But it's hard to get someone to think about a personal risk appetite, when they are financially less than fully literate.