Elementary Schooling - At a young age teaching skills such as Critical Thinking, Self awareness, Inculcating curiosity to understand others perspective, understanding logical fallacies, Ethical behavior are not prioritized. In a way these are more important than learning the normal sciences which can be taught at a later age.
I find focus on that lacking outside of fleeting local attempts.
Many valid points, but I would say 2fa does help if malware has your creds buy can't be leveraged by an attacker without also successfully phishing the victim with an identical site.