Schools avoid basic financial literacy, and it’s hard not to wonder if an educated population would hurt the business model of retail finance. A kid who understands compound interest is far less likely to buy a low-yield endowment plan or carry a high APR credit card balance. If even 10% of salaried workers shifted from regular to direct mutual fund plans, the financial industry would lose a significant chunk of hidden distributor commissions every year. The system relies heavily on passive compliance. Silence in the curriculum may not be an oversight it could well be a customer acquisition strategy. #FinancialLiteracy #PersonalFinance #MoneyManagement