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> math is often not introduced in a concrete manner, as well as in a way such that its utility is obvious

This cannot be emphasized enough. Most people won't be doing any higher order math in their lifetime -- we should be teaching math literacy and "real world" math for the masses rather then pretending that every student is going into physics.



And we should be clear here that the bar for improvement is verrrrry low. Take a look at the questions asked in the National Financial Capability Study, and the results:

https://www.usfinancialcapability.org

The survey is composed of five really-quite-basic questions about interest rates, inflation and risk assessment.

As of 2018, 66% of survey participants get 3 or fewer of the questions right.




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