From now on I consider you my friend, this left me seeing a non-existent point on the wall, when I read your introduction I thought you were wrong but actually you are very right. I also agree with you in saying that they should teach a subject on financial education.
Somehow I have learned to manage my money by bad decisions and experiences, although the little money I am earning I try to prioritize my needs, then invest some. Although here in Venezuela it is a bit complicated to do it but not impossible.