I hear what you are saying but it’s 2020. If you don’t have basic financial literacy it’s because you don’t care. And fundamentally I don’t understand how som

I hear what you are saying but it’s 2020. If you don’t have basic financial literacy it’s because you don’t care. And fundamentally I don’t understand how someone could be short on paying bills every single month and not think to themselves “gee maybe I should search the internet to help solve this repeated problem that I have.” Somehow 33% of people can’t pay their bills every month but smartphone penetration is greater than 66%. How do so many people have access to the entire knowledge of humanity in the palm of their hand but also have not EVER searched on the internet for financial advice?