Good luck trying to force a kid to care about something irrelevant to them no matter how absolutely essential you think it is xD 

There isn't a lot of stuff that "needs" to be picked when kids are 4 anyway, mine all picked up things quicker (and also actually learned it) when they realised it was essential/important to something they wanted to do, and it definitely wasn't when that kind of stuff "should"/"needed" to have been taught (because somehow magically if they don't learn it in grade 5 that's it for life it will never happen?).

And then having said that, if a brain isn't ready for something, there is literally nothing you can do to force the information in anyway.  When eldest was 6 he was absolutely desperate to be able to read.  He tried and struggled so hard, there were tears and tantrums at the dining table (where they did most of their "formal bookwork" nonsense), but his brain simply refused to grok the concept of blends and rejected every single attempt and method to make him understand.  He turned 8, magically got it in one sitting, started reading novels shortly afterwards and now can't remember not being able to do it.

> every move a bank makes is in the pursuit of money and profit for stakeholder wealth

I get where you're coming from but this sounds exhausting x_x

<sub>and also vaguely infuriating but that's more to do with my own attitude XD</sub>