Mainly because, until recently, most people didn't think it "mattered" to them?

I remember back when the banks started to show signs of weakness, talking about the FDIC and discovering that most people not only didn't know what it stood for, they didn't know what it did (and what institutions weren't covered by it).

I've given my finance-for-freelancers talk enough times that you'd think I wouldn't be surprised, and yet...