It is both, because it all comes back to the government's expenditures in the form of public welfare. People who become destitute because they don't know basic fiscal know-how are useless and significant loads to society and therefore the government, so there is vested public interest to teach.

Catch and punish fraudsters, and teach the commons that investments and savings are two very different things and how they should be conducted. Both can be done with no negative impact to the other.