I agree, but again, it's because they don't know what they don't know. I am saying even "well educated" people are uneducated on the subject of money.

An entomologist probably knows a lot of things about bugs. The entomologist probably read Shakesphere at some point, but that entomologist probably never learned anything about money. It is not as if the entomologist is not capable of learning about money, it's just that our hypothetical entomologist is uneducated about money.