In a more perfect world, I totally agree. But with American average savings so low and with the average level of financial literacy so low, expecting half of Am

In a more perfect world, I totally agree. But with American average savings so low and with the average level of financial literacy so low, expecting half of America to join the ranks of financial system watchmen is, IMHO, a tough hill to climb. [study on financial literacy from 2022](https://gflec.org/wp-content/uploads/2022/04/TIAA-Institute-GFLEC-2022-Personal-Finance-P-Fin-Index.pdf https://gflec.org/wp-content/uploads/2022/04/TIAA-Institute-...)