On the bright side, I (and many others) have learned a lot in the past 30 years. People aren’t born brilliant in every endeavor in life. Sometimes you learn on the knee of masters, sometimes you go to the school of hard knocks.
One of the big lessons here is TEACH YOUR CHILDREN so they can avoid the same mistakes.
I agree with you. One unfortunate problem is that the “school of hard knocks” can sometimes be the most expensive education you can buy.