Yeah agreed. Perhaps products (chatbots, voice?) that simply tell people what to do can partially solve for this.

In many cases however, people have self-interests based on vastly different values (think relationship or hobby), and their instincts are good enough at approximating what they want. And while personal finance is tricky for many folks, not every decision is like personal finance which has a easily defined value function like calculating compound interest or choosing discounts. So my view is people are usually right!