You've spoken really intelligently as always. Finance is like eating a meal, everyone has their own spin on it and as you've highlighted, our emotions have a significant role to play. Because of this, we can't rely on one's financial knowledge to inform our financial decisions. So, instead of teaching people what decisions to make and when (just as finance gurus will always do), I think the best thing is to teach people basic principles that they should use in informing their financial decisions.
People are just lazy to make decisions because it's easier to blame someone else for our failure than take the responsibility. That's why they always look for financial advice than brainstorm out solutions.
Haha well this is why people acquire all the knowledge in the world and still make simple mistakes when it comes to money because spending entwines with our sentiments, it's difficult to make a solid choice regarding money even if we're knowledgeable and know the right thing to do in some instances. It's our knowledge versus our sentiments if not we'd be flawless with our decisions.