⭐ Merited by BuNga_cute (1)
It is true that people who have good money management skills must initially learn first and will even experience mistakes first. This means that everyone can manage their finances well if they want to learn, and try various strategies to find out what money management strategy is the most comfortable to use. Because everyone must have a different strategy in managing their finances, that's why we need a long process to finally find a strategy that suits us.
You're trying to say that people shouldn't go for the shortcut and won't just copy existing strategies from someone else. That's beneficial but I think many people can't afford to wait longer, that's why they can rely on others. If they get lucky this can work nicely but this can require lots of trial and error, or in short lots of capital. That's the only downside there.
It's not for nothing that teaching others business is a business in itself and can be said to be a semi-fraudulent way to get money out of gullible newcomers 
But still, the fact remains that the most effective way to learn is to fill bumps on your own experience and no other person's experience can replace it. This does not negate the fact that you need to learn and know the fundamental things, but for the absolute majority of people, the fact is true that there will be no sense until you feel it yourself on your own skin.