Basically, people here are very knowledgeable about how money and various financial instruments work. In fact, we test out at #3 in the USA on a simple quiz. Heck, even I went 5 for 5.
But when it comes to how we act on that knowledge, we are waaaaaaay bad. Almost 1/4 of us spend more than we take in, and an absurd number fall prey to "payday loans" and other forms of usury.
Which reminds me of this,
For I do not do the good I want, but the evil I do not want is what I keep on doing.
Which reminds me of the church's message, that the world needs the Savior whose arrival we celebrate at Christmas.