Pretty tough to be wanting parents to teach their children proper financial education, knowing that a lot of parents don't even know how to simply budget. Hence why it's necessary for financial education to start at ages 16 or so at school.
On this basis, adults must be forced to master the basics of financial education as a prerequisite for marriage, since they cannot be prevented from having children outside of marriage.
I believe that the financial education of children until their teenage years is primarily the responsibility of the state. Formal educational curricula should include lessons on how to control an individual's budget and how an individual can deal with financial crises that he may go through throughout his life.
I don't think any system does this in our time.