For a young core of Americans & the future of this country to prevail, a solid & thorough understanding of day-to-day troubles is key. Starting at High School level, young adults nationwide would be given the tools & techniques to navigate their way towards a good credit score & keeping them financially secure for the entirety of their lives. This class would include, but not be limited to:
Housing Markets
Purchasing a vehicle
Building & maintaining a good credit report
Savings options
Scams to avoid
The absolute best way to combat frivolous spending through ranks of the common public is to start at it's core, and this would be a head-start towards accomplishing exactly that.