Why are we not more effective and efficient when it comes to teaching finance in the United States?

My question, I guess, is around that. Like, why do you think that America, our parents, the schools— why do you think we've done collectively just such a bad job at teaching finances?

So if you look at Wall Street, why do they want to make it difficult? Pretty obvious, right? Like, if you don't really understand what the heck is going on and then you're in this just massive circle, you're going to just kind of go off of what their word is and then they're selling on emotion. Strike 2. A lot of these teachers, they graduated and they went straight into teaching. But there's got to be something to say, hey, I've got practical experience here. And so let me just teach you the real-world stuff. Now, you guys know this about me already. For listeners of Book Thinkers, I hate Googler questions. So what I mean by that is people will go like, is a stock good? Is a bond bad? Is debt good? What's the best savings strategy? And a lot of people want the easy answer. Most people are lazy. Wall Street doesn't want to teach it, or they don't want you to know it. Teachers don't want to teach it because maybe a lot of teachers don't want to reveal