I'll be getting the downvotes from there — but most of the bell curve really doesn't need any special education beyond what could be taught in high school. Let alone that parents should already be doing this and thus teach it to their kids; and not even need time in school on it. Most peoples' tax scenario will follow their parents'

Which, i say all that bluntly because most people are able to, but over-mystify it and choose never to figure it out.