yes...if the average person become smarter and more responsible...yes...things will change...

but that's not how people improve...averages stay within a pretty constant range and it takes generations of continued improvements to sustain them...

it's not that more people need to become above average...

it's that their need to be simpler and easier to obtain solutions/alternatives for those from below average to above average...

relocation to non-urban areas isn't a viable solution en masse bc it would require an exodus of some sort to places with limited resources...

financial literacy needs to become a part not of just school but of childhood/chores...that's not a New Years Resolution type of thing...it's going to take capital to gain the type of cultural changes needed to make these improvements widespread and applicable to the exceptional and the mediocre