Financial discipline is hard, very hard to maintain. Unlike fitness discipline, whereby the results are visible, financial discipline is a very long road to walk and the results are not always what you expect. There is no guarantee that if you stop spending $20/week on coffee and put it into your home loan, you will see an impact. I want my smashed avo now and anytime I want it!!
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How come that is such a big thing in Aus now!? :D
It is amazing how undisciplined we are financially. I do think that some level of personal finance needs to be taught in schools, even if it isn't ideal - just so people are aware of the mechanisms in play and encourage more to get interested.