She even identified the gap that she doesn't know how to manage her money, but rather than trying to close that gap by improving herself, her answer is to change the system to make her life easier. But, it doesn't make her life easier, does it? Instead, what it would do is help her avoid having to learn what she is going to have to learn at some point anyway, if she wants to have any kind of decent financial outlook in her future. And the future is what is important, so rather than blaming the past and your unwillingness to learn then, make the decision and take the actions to learn now.
This is a very powerful point sir @tarazkp. Identifying a personal gap like poor money management is actually a great first step, but growth comes from taking responsibility and making intentional changes. Relying on systemic changes alone might delay the inevitable need for personal development. At the end of the day, learning financial literacy is an investment in one’s own future—and the sooner it's done, the better the outcome will be. Blaming the past doesn’t build the future; learning from it does.
And will take a lifetime of failures and still they might not change.