The problem is today a bank tries to sell you products rather than give you financial advice, and with regards to asking a parent, then you end up stuck at the level your parents intelligence ends.
Personally i think school is a good place to teach people personal skills, and a basic understanding of personal finance would not be a bad skill to come out of school with. There are many a person from my generation struggling with mistakes they made with credit when they were young, and it affects them greatly when they then try to settle down.