This is something that made me really disappointed when I realized it in school. It was always a step by step process taught to me, and I loved math. I took my AP Calculus class in my senior year of high school and my teacher (fantastic man) showed us how the formula for a derivative is derived. I was blown away. We had just learned and it were told to memorize it the previous year and I had just accepted it.
After that, math changed for me. Everything had a reason that was connected to everything else. If you understood where it came from, you could do even more than if you were just given a formula to follow. How beautiful.
I realized that I had 5 years (assuming we only cared to do so after algebra) of match education that could have been better taught if done conceptually. I don't blame teachers. You need to get everyone to pass your class for state requirements, so you try to streamline it to get this year done, and not prepare for the future. Also, most math teachers I had did it as a job, not because they loved it, and there's nothing wrong with that. When I had that calculus class during my senior year though, I realized that that man loved math. Hard but fair. I learned so much and that teacher taught me how to develop a work ethic.
I wish meta-learning and a more concept based approach could be applied to high school courses (at least looking back). I understand why they aren't, but man would I love to see how it would play out.