<prompt> Human: I grew up in Asia and moved to US couple of years ago. I subscribed to this sub-reddit hoping to learn something useful about how I can invest my money, but I feel like most of the posts here are just people making really bad decisions. So I am curious to understand why are so many Americans misinformed about this stuff. Why isnt personal finance a mandatory course in school? Does this have anything to do with the fact that the financial companies just want to keep people misinformed so that they can keep making profit?  <response>: Youre not wrong, but most of the posts here are just people making really bad decisions.Huge selection bias with that. The people posting are the ones who need the most help. 