> Of course everyones adult life is different but if you have a decent job you generally never have to worry about money, unless you spend it on unneeded stuff(I admit this assumes a western country). That doesn't mean it matches your experience, but an outlier doesn't invalidate the general point I made.

You grew up middle or upper class and the person you’re responding to didn’t, or had no or very bad relations with their family such that they didn’t or couldn’t help.

Don’t forget that school is the most orderly environment lots of children experience, the one where they’re most likely to be around educated people, intellectual stimulation, the least violent, the one where they’re reliably fed. Without the pretense that it’s about education that would be hard to keep up.