Momentum for Basic Income Builds

I'm not opposed to basic income, but before we do something like that I think we owe it to people to teach them how to actually use money. If you look at the US Bureau of Labor Statistics for people making less than 50K a year, you'll see stuff that blows you mind. https://www.bls.gov/cex/2019/CrossTabs/sizbyinc/xtwo.PDF

For example, a family of two making less $15K a year is spending $1,800 on restaurants. A family with that income should not know what the inside of a restaurant looks like.

Giving people money without the knowledge or skills on how to use that money effectively is throwing that money away. I wonder if other countries that have basic income programs do a better job education their people on how to use money?