You got a good point there, but education is integral part of the process as well. Some people do not know how to save and have no trust to any institutions. They need to get help to overcome that barrier
We claim that providing financial services will provide empowerment (which it does), and then we try to force them to conform with our view half a world away with how they should spend and save their money by structuring financial products according to our needs as opposed to theirs. They don't need an education to save - that the service exists and incentives to save exist are enough as they will quite quickly educate themselves in that regard. No level of "education" will disabuse someone (anyone let alone a poor person in the developing world) of the notion that their government isn't corrupt or that they can "trust" an institution. Trust is earned. What you will have, like in any society, is first the incentive/need, then the early adopters and then word of mouth and that's how institutions earn trust.