Accounting for Americans: Financial ED

Accounting is interesting but you would think they would offer Financial-ED, or appropriate accounting for home finance, teach students how to manage a check book, what is involved with buying and selling a car, home, or how to file taxes, buy health, medical and life insurance, manage credit cards, 401K plan, how to file a will, and what leads to bankruptcy. What a home equity loan is and if all students in high school had this type of class decades ago, there wouldn't be such a high bankruptcy rate in this country.
Drivers Ed, all students and people should have to be certified in financial-ed to get a checking account, credit card, buy any type of insurance, or buy a house only after they have some basic financial education as to what financial life is in the United States. I was thinking about a bill for congress on such things.
Call it "Accounting for the average American" or I still like "Financial-Ed in the United States"
These are what I think personal accounting should be. Don't you think an accounting book should only be for accounting majors.
Is there any Personal Finance book that teaches basic finance and home budgeting responsibilities to Americans, especially 18-25 year old. Most students in high school are never taught about finances by their parents because of them both working. There are immigrants who come to the United States with no idea of financial management. I heard a story from one such person who said, "I don't understand why my checking account is overdrawn, I still have checks!"
If you need drivers ed for driving car maybe the equivalent is necessary for American to handle financial matters.
Let me know if you know of any good books that could be used for such a course, it should be paid for by the credit card companies and banks.
How many countries in the world offer credit cards, home loans, 401 K plans, etc.