Sadly most people are not in control of their life because they are not in control of their emotions, and that is very difficult to overcome. Furthermore, educational institutions of any level offer little financial education or none at all. They have no interest to educate their customers. If they would, they could not charge customers with exorbitant fees even when they lose money for their clients. The good news is that times are changing at least in the financial industry, albeit slowly. We should also push our elected representatives to introduce financial education in schools at pupils early age.