Obviously, you're saying that the question I asked goes somewhat beyond your mandate. I agree, but the fact remains that if people had better literacy or financial awareness, it would make your job easier, because you would have less work to do. In all honesty—not that we don't like you—but we would like you to have less work. I suspect you agree.
Take cigarettes, for example. Tobacco companies are required to take part in raising awareness. Cigarette packages are marked with a statement explaining that there are significant health hazards.
In your opinion, to what extent should banks and credit card issuers themselves be part of the consumer education effort?