Your parents should be commended.
How many coaches get results by just telling their athletes to try harder. It is not so simple.
I hear ya.
A coach's tips can be good, or they can be crap. At the end of the day, the tips are still there. It's up to the individual to use their judgement to follow it or do their own thing. Sometimes an individual has to do their own thing instead of waiting for someone to do it for them.
Never the less, Natives do get various perks non-Natives don't get. Sounds like solid bonuses to me. Personally, I don't see why it's that hard to be responsible with cash. It doesn't take a genius to figure out the whole issue of spending vs saving. But some reason many Native people take those financial perks and blow their dough. To me, if someone needs guidance how to budget money they are probably past helping.
I've always been good with money, but it's not like I have hardcore accounting software or anything. All I basically do is pay off all my credit card debts, drive a reasonable car and at this stage of my life and job, try to ballpark saving about $15k a year in cash. That's not to say I have to save exactly $1,250 per month since spending can go up and down depending on trips and Xmas shopping, but as long as I save about that amount per year is my goal. Not hard.
When I came out of school with $20k loans and had my first real job, my goal was to pay for living on my own covering all costs and breaking even was my goal. Got a better job, now I can ballpark saving a few thousand a year. Got a better job.... a bit more a saving is doable etc....
That's why I mentioned in my other post, maybe if the government took away monetary perks, it may force people to learn budgeting.
Heck, even if was 20 years old and had a big wad of cash in bank account, I don't think I'd blow it. I'd probably pay off school as I go and buy a crap car leaving me with cash to spare. It's all about getting accustomed to money in and money out.