If one of the absolute core functions of school is literacy itself and "19 percent of high school grads are functionally illiterate," there needs to be some actual reckoning of current results before stuff is merely added, but it seems no one wants to.
When people talk about policy like "we need free college for everyone" or "we need to add X to high school" it's like watching a hurricane approaching while your neighbor tells you, shouting over the 90mph winds, that you should really repaint your house soon.
There's a lack of object permanence about things like this which is maybe excusable among uninterested parties but often it seems that politicians and journalists are the 19%.
Hippocrates is famous for the oath ("First, do no harm"), which is good. But the overlooked and more important saying from him is:
"Before you heal someone, ask him if he is willing to give up the things that made him sick."
A discussion of how to improve financial literacy has to begin with what we're doing wrong already, not adding yet another thing.
Maybe a better metaphor isn't the hurricane, but an obese person who decides to lose weight, and people just say "Ah, you need to eat acai berries!"
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The simple examples I always give: In 2017/2018 people believed Square was a payment processing company. But I believed that it was a services company, and people would eventually come around to this view + price it that way. (pic: my work at the time)
Amazon in 2010 or 2011: The 10-K showed something really funny, the "Other" revenue line was their fastest growing segment. It was because of AWS, which was just starting to dawn on the world. Everyone then thought of Amazon as an e-retail company. Now they know differently.
The need for systems to function at scale seems to eventually blind people to (often better) solutions that cannot scale.
The simplest example may be: dietary intervention will fix a huge range of health problems, but the solution that scales is drugs, often just palliative ones
In searching for scale, something is lost. Maybe doctors forget to ask people what their diet is, wait a month, have them check back in, etc. But the fault isn't only the doctor, its the patient too.
There is a saying in online programming help: "What have you tried?"
It can sound harsh, but it must come first.
Something about solutions at scale cause people individually to experiment with their own solutions less. To try less in general. I mention diet/drugs as an obvious example, but there must be many, many less obvious ones.
...sort-of "quiet time" where we either read or play with the baby or talk or do almost nothing at all, but just sit there for a few hours. We don't *try* to be productive. A few days lately we've been making clay things in the morning at this time. Then we eat breakfast.
9-5pm: work work. While the weather is good I might also work outside for a bit at lunch
5pm onwards: different things every day. We often spend a long time cooking, up to 1-2 hours daily, but with baby we've had to scale that back a bit.