Potrošnike bi bilo treba usposobiti, da bi znali prepoznati slaba posojila enako, kot znajo prepoznati nezdravo hrano na policah v trgovini, je v pogovoru za EurActiv dejal Giuseppe Zadra iz Evropskega združenja bank (EBF). Usposobljeni posojilojemalci bi po njegovih besedah preprečili ameriško finančno krizo.

American consumers bought mortgages which they were unable to pay back. Everybody knows this. They took on too much debt. If your instalments are double your monthly income, I think it is easy to understand that something is wrong. I do not think that requires education. It is just common sense.
Financial education is about providing consumers with the tools to understand the information provided by the market. The market provides a lot of information but consumers are not always able to use it.
We do not want to turn consumers into financial professionals, but make them able to distinguish financial products and services as they do in other sectors, for example with food. Consumers are not dieticians, but they know how to use information on food products. They know that vegetables are better than fat, and they make their choices accordingly. We have to reach similar levels in finance too.
We have to start educating youth first to make them understand their financial needs and problems, such as savings and savings investments, to prevent them turning 40 without ever having heard anything. Then it is much more difficult to start to learn.

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