Children are not usually the ones making difficult financial decisions. In this metaphor I am assuming you and I are both adults.
Being conditioned to believe something is not the same as being unable to form your own conclusions. Yes I agree parents have a huge influence on their children's values. However, at some point an adult must take ownership of their own life and their own values.
What you seem unable to grasp is that the decisions you make as an adult are shaped by your youth. Not to mention the decisions you make as a youth shape your adulthood. Fast forwarding to adulthood and pretending like everyone is at an equal footing is untrue.
Being conditioned to believe something is not the same as being unable to form your own conclusions. Yes I agree parents have a huge influence on their children's values. However, at some point an adult must take ownership of their own life and their own values.