Control of your personal finances should be part of your basic ability to interact with your (social) environment.
Going to uni just to learn the golden principle "spend always less than what you earn" is close to ridiculous. Much more software. I recall the first time I saw something like that (for the Timex Sinclair)
Probably the above make sense for cultures where being a consumer with a (good
) profile as a credit payer is necessary. Not in that line myself. No thanks.
From someone who, the last time he got something to be paid in three or four times, was more than 35 or 40 years ago, is not rich, has not signed a cheque in his life, uses just a debit card ( what you read) and traveled around the world for more than 40++.
Around me I have vivid examples of people that more than software they would need a good pair of scissors for the so many credit cards the carry.