Since the 1950s, America has demonstrably engaged in dumbing down its population. You’re right, personal accountability is king, but that’s assuming you’re dealing with a populace that has critical thinking skills and not addicted to bullshit consumerism delivered by dogmatic “Free-est country on Earth” propaganda.
Compound interest has been a thing since the Babylonians, 2,000BC, and they understood it from clay tablets.
If you don’t understand it 4,023 years later with a iPhone in your pocket, you’re an idiot.
Usury was also a thing back then.
Since the 1950s, America has demonstrably engaged in dumbing down its population. You’re right, personal accountability is king, but that’s assuming you’re dealing with a populace that has critical thinking skills and not addicted to bullshit consumerism delivered by dogmatic “Free-est country on Earth” propaganda.