financial education without money will earn you nothing other than poverty. It's highly better one get the money and use part of it to acquire financial knowledge and use the remaining one for business after one have acquired the financial knowledge.
You are absolutely wrong about that, mate. There are people who are hard-working in life, and when you give such people financial education, they will really do great in life because the education exposes them to the process of making money for their business startup or investment they wish to start. Whoever has obtained a quality financial education should be able to know how to raise money for whatever they want to do. Financial education is very broad; it teaches a lot of things, like investing with low risks, risk management, possible means to generate income, and how to go about getting a loan. So, for someone who really has the desire to make wealth, after acquiring financial education, it's a good start. Only lazy people would not try to practice what they have learned.
Someone without an idea about financial education is like a crawling baby that can easily crawl into a dangerous zone. So if some people get hold of that money, they can't do anything reasonable with it.