It is so important to understand the basics at least.
Imagine a not-so-far future where you buy some sweets for your neighbor's children, and after a while, after somebody has found the remains of the packaging of these sweets somewhere in a streets's corner, you get a summons to court because they can prove that you were the buyer of this.
Your retirement account has to follow some rules, for example to buy large ETFs. Large ETFs have to follow stock indexes. Stock indexes have to include "big" companies.
So when a big AND inflated company comes along, makes it into the index, and then deflates, you all are screwed automatically and by all the rules.
What's the use of a superhero universe if it isn't about the superhero?
There was this one movie where the superhero was such a jerk, a really miserable person, and disliked by the whole neighborhood because he caused lots of destruction and never took care. But in the end he was the hero again, of course.
Yes, we actually don't know the numbers that are common over there, but I have heard that students get in debt for a huge part of their lifetime - which we consider a scandal and a shame for a country.
Works in Germany as well (with a very low fee, nearly free).
We believe that education is a basic human right. The human rights are equal for all humans (listen, Usamericans: humans, not just "citizens"), therefore it must not happen that low income can hinder it. And that's also the reason why German universities regularly accept a good number of students from all over the world.
Why it "works"? Well it's simply the government's job to make it work. We, the people pay them for doing their job. As you might know, or not, in a democracy the people are the highest authority.
It never stops to make me smile that most Germans cannot pronounce "squirrel" properly, while most native English speakers cannot pronounce the same word in German "Eichhörnchen".
Glad I do not even need to block my TV in my home firewall.