I think education is part of the problem. The legal age of adulthood is 18 in the US, but we don't teach kids to be adults before then. We teach them how to pass standardized testing so the schools can say they're not failing and continue to receive the most state and federal funding they can. Public schools in the US got really bad a teaching actual life skills along the way, mostly because we had a bunch of conservatives saying it's the parent's job to do that. I haven't kept up with education for a while, so I don't even know if kids are learning how to balance a checkbook.