[petercooper]

bttt

[taildragger]

The nation needs a new model to raise all boats without imparting a moral hazard on the financial system.

1.) Banks need a Dave Ramsey type of financial planning system for those who were underserved by the Public School Systems that left them financially illiterate
2.) The bad news is, with such a training system their is no instant revenue for the banks, unless they charge a stipend.

So many do not know how to save, not give into buying the latest crap, and how to be frugal or downright cheap :-). It is not hard to learn, and some might actually find it fun.