That’s not because you are a child or an idiot. It’s because you know your parents have EXPERIENCE, and that is something you will never acquire from a course.
This kind of thread bothers me with it's hand wringing. Parents and teachers often spoke of their lives in casual conversation when I was growing up and it was pretty clear to me that, aside from it being a response to having no adult around to make a more useful conversation with for them, there was an element of educational intent.
Sewing? The course will explain and show you, after which you gain experience by practice. Making financial decisions? This rests a lot on knowing facts about how financials work, and a course is absolutely one correct way of learning those.
For experience, I'd rather think of things like - how do you cope with the death of a loved one? How do you decide who to be or what to do? How do you manage your emotions, streghts and weaknesses?
One can objectively reason through the first set of considerations, while the second involves a subjective element and is likely heavily influenced by their upbringing and life experiences.
Nobody knows how much to save or how much to spend on insurance. It's completely reasonable to seek advice, and one's parents might be a great starting point.
Their experience is approximately useless.
... whereas there's a huge amount of well-supported expert advice out there. You don't even need to take a course. Search the damned Internet.
... and don't give me any "cocky youth" bullshit. I'm old enough to be the parent of a large fraction of people on Hacker News.