You made a very good point here, but you need to understand what not many people think this way, most people don't know that the most successful people in life pays more for knowledge before even engaging their funds.
Even in the award winning book title Rich Dad poor dad, the author was spot on, because he knew the concept of financial education, he knew that formal education alone can't take him out of the rat race, so he devote more of his time after school in learning financial education from his friends dad, which is the rich dad.
Well, I guess I just answered the question based on the level of financial education I have already, and perhaps everyone doesn't think alike, as @Die_empty has said, some people will want to use the money to spend lavishly without even having a thought of investing or acquiring financial education.
But there's always a proverb my people would always say: "Whoever has tasted poverty will know how to manage any little money they get." Some people have really suffered poverty, and at the moment, if they see such an offer, they will definitely go for the money and then tend to improve their knowledge on how to manage the money, but not everyone can still think that way. Even if they have suffered poverty, the moment they get any money, they will just lavish it because they totally lack financial education.
But either way, both offers are very important: give some financial education and they will know how to generate income, expand it, and make it sustainable; give some who are already educated about financial handling and they will still manage the money well.
Your thinking pattern shows that you already have financial intelligence. A man that lacks financial education will never think of learning about investment. His only aim is to lavish money on luxuries and unnecessary wants. Some of these opportunists invest in projects they know nothing about because they were told maybe by friends that it will be profitable. Financial education is the ability to do your research, seek financial details, and learn the operations of a business before investing.
You are right, though. I find what you are saying quite interesting. Mostly, the aspect of making mistakes in their investment, as per a friend misleading them to invest in some sort of ponzi scheme or unreputable platform that can make them lose their money.
It was just like in a movie I watched, where the writer was just trying to express how two rich kid had different characters towards financial management despite the fact that they both came from rich homes.
These two different guys were living like gangsters in the street until their dad's death before they returned home, coming to seek inheritance, but it happened that their dad had willed everything to the motherless baby home (although not as if their fathers willed everything entirely). So they got angry and left, and that's when poverty totally struck them down. They were suffering until one of them realized that his dad still left a lot of money for him, so he began to read every business and investment book he could gather. It happened so fast that he started his little business and got to acquire all the inheritance his dad still left for him. When he took the money, his friend misled him into investing with a bad company that ran away with his money, but fortunately, he only invested a little with them. He used the money left with him to excel and became more wealthy than his dad. For the other guy, he suffered until he also found out that his dad still left a whole lot of inheritance for him, both houses and money. He took everything, sold the houses, and lived a lauxry lifestyle until he spent every damn thing he inherited.
Why I'm telling this story is because every person has a different sense of reasoning, and they will act differently if they collect that money.