I don't want to teach my son that him misunderstanding something is someone else's fault. Obviously, this wasn't taught in class. He was taught lots of things and was a conclusion he came to on his own. Like nobody ever told me that a McDonald's hamburger will cost around $50 when I retire, I simply did some math based on the average inflation. Will it actually? no idea. But I know that I should probably have that much more in my retirement account.