Do the schools in your area teach basic finances to kids? I'm not talking "enthusiast" level stuff like getting them to differentiate between SPAXX vs SPRXX MMFs, but basic stuff like how to manage a budget, understand what compound interest is and why it's advantageous to save early, the crushing reality of high interest loans/credit cards, understanding the basics for retirement planning and earning work credits for SSA benefits, etc.
Just curious. This has come up a couple times in conversations with immigrant friends/my S.O. who come from a culture where even the lower middle class have a strong habit of saving money and general financial responsibility that is a complete 180* from the situation that the average American is in, where 57% of Americans can't even afford a $1000 emergency, median per capita consumer debt is in the tens of thousands, the typical 50 year old hasn't saved anything meaningful for retirement, and even half of Americans earning six figures are living paycheck-to-paycheck (with that number being 2/3rds for people earning $50k-$99k).