You've made a compelling point. Knowing the rules, or in this context, having access to financial education, is indeed a critical first step in managing one's finances effectively. Without this foundational knowledge, it's challenging to make informed financial decisions.

Your observation underscores the importance of not only having access to financial information but also the necessity of applying it practically. While it's true that certain factors can impact an individual's ability to make the most of this knowledge, the emphasis should be on empowering people to utilize the resources available to them.

In light of this, it's crucial to encourage proactive learning and application of financial principles. This approach can help bridge the gap between simply knowing the rules and being able to play the game effectively. Financial education, combined with practical application and a mindset geared towards personal responsibility, can lead to more informed and beneficial financial decisions for many individuals.