Jumping to the end of your post, I'm a particular fan of the freedom cryptocurrency offers its users/holders in terms of managing their own finances. Everything I've done on blockchains thus far has been entirely responsibility.
Returning to the rest of your post, I think personal responsibility (and accountability) is something that many people have grown afraid of, possibly by design. Too many people would rather be told what to do which only feeds the problem you've identified. I think education is crucial to understanding one's options, but that education hard to find and frequently misunderstood.
!1UP
As a parent, I can see what my son is (NOT) learning in the school... They have zero knowledge about money and responsibility regarding it... I mean, not just my son, but almost all children... Maybe I will sound like a conspiracy theorist, but it looks like that is done on purpose... Of course, when they will get adults, they will be scared to deal with money, to act responsibly, and be afraid of crypto as they have to "keep the keys" on their own...
I'm trying to teach my kid about crypto and the advantages of having it, but all that should be done on the "school" education level, too... But, on the other side, what can we expect if crypto is presented in a negative context for 10 years in mainstream media? I remember once my son told me that his IT teacher said that the only place where you can buy Bitcoin is on the dark web!?! like.. wtf man...
!WINE
It's so unfortunate to hear over and over again how public schools are failing children, these days :S
Good on you for trying to provide opportunities to your son through knowledge, though :)
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