>>507100815
Yes. Most of those require very little effort and just a little bit of knowledge and a little bit of courage. For example a realisation that pension plans are scams meant to keep you from spending your fiat currency earnings now, in the present, so that you will spend them in the future, when they'll buy orders of magnitude less than how little they buy even now. But most people are addicted to the unjustified peace of mind and comfort of the illusion of certainty and surety.
If they accepted uncertainty and lack surety as an unavoidable fact of life, they would choose and behave much more rationally.