Are we expecting full financial literacy from people who can't legally decide if taking a shot of whiskey is in their best interest or not? Or from the same peo

Are we expecting full financial literacy from people who can't legally decide if taking a shot of whiskey is in their best interest or not? Or from the same people who often cannot even rent a car? Or people with no credit history? An entire forum of what I consider to be some of the smartest adults in the world (myself excluded lol), can't even agree on what this "debt oligation" means; and we're supposed to place this burden of understanding on people who have to raise their hand to ask to go to the bathroom? We have controls on taking on debt for the other 99% of credit line applications, why is this one so significantly different?