Many times, I've heard people focus on how the failures of large numbers of individuals are a cause of a problem: education, retirement savings, the effectiveness of propaganda. Whether or not it's true, I don't think there's a possible solution in trying to change the values of millions of unrelated individuals you have no control over. It'd be better to create "happy paths" that make it easier stumble into success.
It's like digging more wells for the horses from the pithy adage. You still can't make them drink, but fewer horses will be too far from water when they finally get thirsty.
Rather than gamifying education, maybe (even at the risk of offending Our Ford) we ought to try learnifying pasttimes?
* https://news.ycombinator.com/item?id=41152238 and https://news.ycombinator.com/item?id=41152771
I'm not saying that situation is superior by any means, but you can see it in some countries, and I think it highlights how some attitudes are culturally and economically bound.