This is also a big thing. If I may add to it, the environment may also help add maturity needed for certain topics. My HS had a banking and personal finance class. Many kids just didn’t care, others didn’t have any way to visualize it as they didn’t really get an allowance, and those with jobs who would benefit the most were often not taking the class because they needed to work.

I was lucky to be there. Really that I was able to credit by exam some classes; which gave me space in my junior and senior year to fill.