Okay, fair enough on the points about pensions, SS, education, etc.
I still disagree about the article though. The point of the article is that personal finance/self-improvement are often sold as narratives to displace real institutional change that can only be achieved through collective action (say, Medicare for All, federally funded college, etc). Of course personal finance skills and self-improvement are GOOD things, and are necessary to survive in a given system. The fear is that personal finance is often sold as “you can’t change the system so stop trying. You’re the problem so focus on yourself and forget everyone else”.