Education isn't a panacea. Most people who get into debt do understand the system, but choose to ignore their indebtedness. I cannot remember where I read it,

Education isn't a panacea. Most people who get into debt do understand the system, but choose to ignore their indebtedness. I cannot remember where I read it, but the evo-psych explanation for this behaviour is that prehistorically most problems could be solved by hiding for the problem and waiting for it to go away.