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So what you're saying is then that we should teach children about mortgages, only once, when they're unable to even get one approved, and then tell them it's their fault they don't know how it works by the time they're adults? That is what telling a lvl 15 sprout about demolition is. It's giving information at a time when it's not relevant, easily misunderstood, and most likely will be forgotten as time passes.
There isn't enough eyeroll in the universe for your attitude towards this. You seem offended at the mere thought of having information more appropriately presented.
And you seem somehow offended about others wanting people to just take accountability for their actions which is a really simple thing to do, but apparently that's like pulling your arm into a pit of snakes. God forbid others account partially for their own mistakes. What a terrible thing and world we live in~.