The powers that be have a vested interest in you being utterly confused by a financial system where a series of simple mistakes can leave you in debt for the rest of your life.
Madness string 82175
The idea that people automatically mellow or gain wisdom as they age is such a crock. People who are critical thinkers, open to experience and willing to accept that they are occasionally wrong may achieve it, but in my experience and observation, most people seem to get stuck in increasingly rigid patterns of thought and behaviour as they get older.