People's fridges, ovens, air conditioners, dish washers, vacuum cleaners, smartphones etc., nowadays seem to start breaking like clockwork literal weeks to months after the warranty expires.
So while personal financial responsibility and education can and will go a long way, it's important to recognize that we live in a fairly rigged and predatory system as well.
My fear is just that: "will I will be stable financially?". So far I never was so I can't just drop this fear and start breathing freely come tomorrow. These are problems that still need addressing.
I agree, but say that to my parents. You might as well say it at least 50% of all parents worldwide while you are at it. I personally am very mad at mine for practically not teaching me anything (not even cooking).
I am getting financial education after I hit 40. Pathetic to some but I couldn't have predicted the unknown unknowns. ¯\_(ツ)_/¯