I did have a class on managing money in high school. It involved a man fanning out his credit cards and explaining that if you pay off one card with another you

I did have a class on managing money in high school. It involved a man fanning out his credit cards and explaining that if you pay off one card with another you can maximize "float." We were then quizzed on the 'best' payment methods, which required ordering a few in terms of when we'd actually have to pay. Shockingly, he was not a money-savvy wealthy man. My point being that there are whole host of prerequisite problems to solve before we can get to a point of using public schools to effectively solve societal problems like this. I think your second paragraph begins to speak to one of the reasons these problems proliferate.