That's not how adulthood works. The world doesn't care if you learned it nor will it teach you. Besides, it doesn't take a course in finance to understand basic financial responsibility.
Adults can teach themselves most things given the right tools and incentive. Your viewpoint essentially means nothing is ever problematic ever. Invasive rhinos released onto SF streets causing property damage? Why didn't SF residents learn to defend themselves and their property damage. The world doesn't care if you learn or not. Climate change leading to drought and the entire world is starving? Should have done a little thinking ahead and stockpiled food.
The utility of this viewpoint is that adults should stop victimizing themselves when they lack the absolute basics of being an adult. The very idea of being an adult is that you no longer have somebody to hide behind. You're naked.
Despite the creativity of your rhinos scenarios, the point still stands. Somebody that did proper financial planning would be better equipped to cover the property damage.
And yes, you very much should stockpile food. I have 6 months worth, and adding. I hope you're right and I turn out to the paranoid one, that would be best for the world. But just to give a hint: where I live protesting farmers led to some empty shelves. Nothing existential, but just to share how very quickly such a thing happens and how close it was to a more serious issue. Or, perhaps consider the entirety of Eastern Africa about to face a possible famine. Or, consider Sri Lanka being totally fucked.
I don't say this to hate or judge, I say it to help. Take care of your shit, this world is volatile.
You seem to be suggesting that basic adult skills like financial literacy and planning for the possibility of a layoff are completely unnecessary in today's world?
I remember a story from some Googler complaining how from his apartment, the next Starbucks was about a mile away, a major degradation in life quality compared to the 5 star hotel that is a Google office.
The guy can't even make coffee at home or a sandwich. Never had to do it. They are true man-childs.
That's not how adulthood works. The world doesn't care if you learned it nor will it teach you. Besides, it doesn't take a course in finance to understand basic financial responsibility.