> My public school never gave me any classes on financial literacy while children
None do. Even private schools don't. It's not part of the curriculum and children don't care about those topics. When you reach your 20s you realize how important it would've been but how boring you thought it was at the time. But since you graduated, "learning is over" so you won't teach yourself financial literacy.
> children of global elites receive the best guidance for it
Yeah... from their parents. I worked in the industry and I know that children from UHNW individuals do not want to talk and be taught about money. They are not financially literate, but they have money that allows them to delegate to someone else. This is true for anything in life, by the way: you either learn to do it or you pay someone else to do the job.