Your requirements per a "functional adult" are an example of people asking for too much because they have no practical understanding of reality:
Americans don't eat properly. The average American is overweight.[1]
Americans don't know anything about taxes.[2]
Americans don't understand cost of living. Barely anyone knows what the CPI-W is or how it differs from the CPI-U.
[1]: https://www.cdc.gov/nchs/fastats/body-measurements.htm
[2]: https://www.nerdwallet.com/article/taxes/americans-dont-know...