You know, I was struck by the same question! I never had a money management class and yet here I am today - a happy little capitalist with excellent credit.
Of course maybe some of us are just self-starters. I also have a career without having a "career course" and a 22 year marriage without a "marriage class".
I did go to Sunday School, though, so that explains the Christian angle.
Though I have taught personal finance to high-schoolers, this really is a character issue. While a teacher can warn, cajole, and provide data - character must be taught AND modeled at home.