Even strong, general financial planning education at high school level is going to be up against so much: people trying to keep up with their peers, succumbing

Even strong, general financial planning education at high school level is going to be up against so much: people trying to keep up with their peers, succumbing to offers like store credit or other marketing, etc. There are credit cards offered with cash back. Endless TV ads for new cards including finance. It's a lot of pressure on people without family/peer support holding out against these things.