People should be good in terms of financial management but there are far too many people who don't really care where their money goes and some of them use it in gambling without thinking its just a waste of money afterall. I know few people personally who lost their family because of gambling
One good thing the down market had been able to teach the people so far and that is how to invest. Keeping the low market values in the mind, people invest which make them good return as the market go up. But, there are people who would invest in just any coin or project they come across which often results in loss so yes people still need to know more about the financial managements and risk managements.