I'm skeptical about efforts to revolutionize schooling

I think we're more talking about algebra or, really, anything "higher" in maths than arithmetic. Does a solid knowledge of, e,g, Set Theory, give any benefit later in life?

And also, if we think that basic financial management is a good thing for kids to learn, why don't we teach that?

That 100 billion goes to a bunch of extremely well-connected businesses who fund lobbyists to make sure the USA continues expending munitions in a series of utterly pointless, futile, wars.

Why is it that when boys/men where outperforming and out-earning women, people were willing to move heaven and earth to correct this terrible injustice, but now when outcomes have reversed (for years at this point) it's considered acceptable to say "Welp, that's just how it goes. Boys just aren't good enough."

Hmmm...almost like, it's not a level playing field??

You can't force a brain to think what you want it to think. I couldn't even force myself to think what I wanted to think. I began to imagine my thinking brain as if it were a pet rhino that did as it pleased. Over time I learned a lot of tricks and hacks to function in the technical world and perform reliably. But it was a long journey.

I teach for a living now-- but I only teach the willing.

When I was just a bit younger, I detested what I'm about to say, but now know as the "reality".

Your argument is focused on rationalism. You're trying to give kids/teenagers real world reasons to learn something.

People are rarely motivated by reason. They are motivated by emotions.

If you look, you'll find plenty of examples of very "rational" adults (college professors included) who clearly know something to be true, will admit to it, but will still go the emotional route.

As a parent, I looked into the research on changing/shaping children's behavior. And the key things that stood out:

1. If you know enough adults who do equivalently bad things even while they know the harm in it, don't expect kids to behave based on reason.

2. Focus on (positive) emotions. Give kids incentives. They shouldn't clean up the table because it will keep the house clean. They should clean it up because they'll get a (short term) positive reward.

3. Focus on building the ritual as a habit, and separate it from any semblance of morality. The brain needs to get accustomed to the actual behavior. The rationale can be added (now or when older), but if you focus too much on rationale without the habit, you'll get someone like me, who realizes a lot of behaviors are good for me, but won't do them because "my brain isn't wired for it".

Getting back to kids learning algebra, or whatever: Their lack of incentive isn't because they can't connect to practical skills in life.[1] The reason they don't want to do it is because it is not a valued skill amongst their peers. And it's also not a valued skill in American society.

That's why high school kids in Eastern Europe or East Asia tend to know this a lot better. If you can't multiply two numbers on paper, you're an idiot. Everyone will know you're an idiot. As much an idiot as not being able to read properly. So you learn it because you know that it's just a baseline intelligence marker you should have by a certain age. You don't whine about it any more than you'd whine about how to properly eat food without spilling it. Sure, once they're older and reflect back, they may say "I never needed algebra", but it doesn't bother them. Knowing it is merely part of being cultured.[2]

Now being motivated by shame is really not a great way to get people to do something, and that's not what I'm encouraging. The point is that it's a broader societal problem. Why should they learn it if they see no one else values it?

I wrote more about this about a month ago: https://news.ycombinator.com/item?id=48065640

[1] Think about all the useless things kids can be good at. Did they have to rationalize why they should learn them?

[2] This is why California, in particular, had a strong push back regarding calculus not being taught in high schools. There's a strong and relatively wealthy Asian/immigrant community in those places, and they've tried to maintain the value of being decent at math. (All the stuff about impacting university education is fluff. I used to work at a university, and they had remedial programs for incoming students who didn't know algebra/pre-calculus. It adds to the time to graduate, but by and large is successful - it's OK if you go into engineering without being exposed to calculus).