You're correct but don't you think teaching them this things individually will help them to understand them better as they'll learn them one by one than when you combined everything in Money management to teach them. Most of this individual aren't financially educated and they're newbies when it comes to the subject of money. To avoid confusing them or giving them too much information that they can't process, teaching them one after another might have more success.
What you are saying is like Band-aid instead of suture which may work or may not but why we have to take that risk and just start from the root cause that will eliminate the confusion of many issues at once and we can expect the changes in the society in a decade or two but if you are going to teach one by one then it will take a decade for one issue then it's a never-ending sotry.
The countries that prohibit gambling has a reason for doing that, it might be religious reasons just like the Muslim countries not permitting it
Gambling is prohibited in Christianity too, but they can teach about it in the banned countries too then only they will realize why they banned it in the first place.