So the author went to Middlesbrough, saw the total deprivation everywhere, and thought...these people just need financial literacy lessons? I accept the micro

So the author went to Middlesbrough, saw the total deprivation everywhere, and thought...these people just need financial literacy lessons? I accept the micro point that people in these situations make bad financial choices but the reason they make these choices, as the survey shows which finds a high overall level of financial literacy, is the lack of better options.