Simply because one "understands more comlex financial strategies" doesn't mean they're disciplined enough to execute them wisely without falling into the debt habit
Agreed. On the forums we frequently read of children who can answer correctly but not demonstrate a specific form of knowledge in context. Executive function (EF) issues may be common, and remediation, re-training, and learning to compensate may be vital life skills.
Helping children become familiar with a wide variety of personal finance information may be key.
