You took the words right out of my mouth. I'd add that we don't formally teach the basics of our credit system (or even our financial system) partly because ch

You took the words right out of my mouth. I'd add that we don't formally teach the basics of our credit system (or even our financial system) partly because children would easily poke holes into the accepted explanations. "Why would a bank let someone pretend to be me? Shouldn't the bank ask for more info?" "Why does it take forever to know my credit but any business can get in a second?" "Does the government run the three companies that set your credit score? Why not?" It's a kind of unconscious, societal embarrassment that manifests as an educational taboo. We don't talk about what we don't want to think about, or more specifically, our society doesn't teach what it has accepted without critical thinking.