Which is a correct opinion that sadly ignores the environment in which these people grew up, the level of education available to them and the medical care they are able to access. Even nicely wealthy with access to everything they could need have accidents.
Additionally, with all the emphasis people put on being a responsible adult, that's not something that's really taught in school. There isn't much value placed on learning how to budget, keep track on finances, but then when people are unable to do so it's all their fault. That doesn't seem right.
I'm not sure what you mean by "the level of education available to them." In my state everybody gets the same level of sex education in 7th and 9th grades, and you're legally required to attend until 10th grade. In general, anybody over the age of 15 should understand the consequences of unprotected sex. Yes, even here in the south.
Education quality varies wildly from district to district. I'm not using "level" to refer to formally declared years, but the quality of the classroom and the outcomes achieved within. It's very hard to learn in a poor classroom in which the teacher is interrupted constantly.