Honestly, as everyone has more or less alluded to, I think the biggest thing to do is just educate people. Educate people on budgeting and spending, investing and fees, proper use of credit and loans, and any other large financial topics I might have missed. I feel a lot of our financial problems in the U.S. stem from the fact that people just don't know and/or care enough. And people way too often buy shit they don't need with money they don't truly have. (Don't worry, I was once guilty of this as well).