You made a very good point here,  but you need to understand what not many people think this way, most people don't know that the most successful people in life pays more for knowledge before even engaging their funds.

Even in the award winning book title Rich Dad poor dad, the author was spot on, because he knew the concept of financial education, he knew that formal education alone can't take him out of the rat race, so he devote more of his time after school in learning financial education from his friends dad, which is the rich dad.