In my first IT job, the first thing my trainer taught me was to work at any issue from the root to the top. Band-aid fixes rarely last and the real world is no bed of roses..
What band aid fix? Having parents of varying availability and ability teaching kids budgeting and driving? Thats a band aid. Teaching them these two life skills in school, using one standard curriculum is how you get what is wanted. So you have got it right, just back to front