Something like these?

http://www.mymoney.gov

http://www.pfeg.org/

http://www.financialliteracy.gov.au/

http://www.condusef.gob.mx/Revista/index.php/usuario-intelig...

http://www.finanzasparatodos.es/

Most of the governments have financial education programs in place. They just don't seem to be that effective. My guess is that the answer to this has to come from the private sector. A company that somehow creates the incentives for these people to save instead of borrowing.