Also, personal finance has never been part of the high school curriculum, even though it should be!
This. It's the criminal negligence of the entire "education" industry. They spend untold time teaching kids valueless drivel that will be of zero benefit to them. A hour learning about the key fundamentals of navigating the world of finance would be worth a whole year of all the rest of the subjects combined.
The vast majority of teaching and education is garbage, and teachers the most overpaid useless child-minders the world has ever known.