Wow. You have a pretty low opinion of the mental capacity of our fighting men and women. Are you John Kerry?
You can insult all you want.
The fact is that military pay is low compared to the civilian sector. That and what to do about it is what we’re talking about here. What you’re talking is anyone’s guess. Maybe you’re a mortgage broker or have a close relative that is one? Figures.
I don’t see it as a low opinion, lower enlisted are not long out of high school, most were not taught anything about finances by their parents; hard to believe but true.
It has nothing to do with their intelligence, it is a lack of instruction and experience.