If the answer is “yes”, this assumes a level of accessibility that does not yet exist in the United States, or in much of the rest of the world. 20% of America’s citizens still have no ability to use the internet at all. Many of those who do don’t have uninterrupted access, or may not have it at home. For these people, it is not reasonable to assume that online resources are sufficient. If internet time is spotty and precious, they cannot be expected to use it to read up on financial matters for personal betterment