Evoking the sense that there are systematic forces at play is intentional! Who cares if _you're_ bad with money? It could be an edge case that doesn't matter. But if it's normal to be bad with money (i.e. there are a lot of people who are bad with money), that's a little more interesting -- something to pay attention to.

Also, as someone on the younger side, this mentality is comforting. It's the comfort of existing within a school of fish. Despite unpredictable currents that act on you like an object, it's comforting to know that there are many of you. A few individuals disappear here and there, but chances are the school will survive. You're normal, you belong, things are hard, but you'll probably be fine.