> A lot of the people who are going to be on BI in the next ten years are adults who are in good mental health and perfectly capable of spending within a budget.

I would like to know the current % of people who live within a budget. The avg. cc debt is currently 15k - https://www.nerdwallet.com/blog/credit-card-data/average-cre... - I don't think BI automatically grants financial literacy.