I remember getting hit with credit card offers. First thing in my college mailbox. Free money? Hell yeah I’m 18, I’m free. Everything’s free! I was lucky that I had a passbook savings account in the 3rd grade. But they took all that away in the 1990s, and now kids can’t have bank accounts at all. Adults laundering money through them was the excuse. Result: Uneducated adult population who struggles with money problems ’til they die.