The chronic illness I have now, was misdiagnosed by a general doctor when I was 16, because y mother couldn't afford to go to a better one - one who would have likely sent me to a specialist, which she couldn't afford either. It was "easier" for her to feel she was doing something, even though it was not the right thing to do. But at that age and in the condition I was, I had little choice in the matter, and have been living with the consequences ever since.
That's pretty tragic dude and I guess it really shows the inequality between different people based on how much money they have in the bank.
That inequality is greater still in some really poor countries, where many will never see a doctor of any description.
What I do find interesting though is that many in these poorer societies can actually be healthier than affluent countries as they don't eat junk food or processed foods. Everything is made from scratch with raw base foods.
On the subject of financial mgmt it's great to instill some knowledge in them at a young age like you are doing with little steps. That's great parenting in my opinion. Life skills are up there with education as a fundamental building block of a solid person.