I would agree with you to a certain extend cause PEOPLE just assume things a lot of things about money off course that tool is one so powerful and depends from what angle they are writing from... what economy, and what personal experience that had had with managing finance
But as you rightly said there is more to why it is term personal finance which means it ought to be personally development on how to go about your own financing and managing it inflow and outflow,and that's why I would slightly disagree cause I see it when reading other blogs on finance as a tip,an opinion,more like an advice off course no body will compel you to apply their own principles as to manage money but to see it from their perspectives and most times they could also relate real life experience about how it works and you could follow suit then it is possible to obtain similar result
But you're a prolific writer on personal finance and that's why I choose to go thru every point you made out cause I know it's not just made on random suggestions. But carefully written to outline it's true message