It seems weird that you literally just went from "WHAT?!?!?! The US is Socialist????!?!?!?!?!?" to "Duh the US has adopted some Socialist stuff" like what the fuck even is that? I know what it is, but it doesn't make it any less ridiculous. Which, even more absurd if you also started in this thread by declaring that the problem is education and a lack of it because you didn't know interest rates (FYI, we were taught that shit in junior high at least, and again in high school and that was just in math classes, we had an econ/finance class available in high school). You think people are gonna get ahead with the shitass interest rates available now? I saw some place touting its "5X the national average rate" for a savings account. It was I think fucking 1.2%. I remember when 4% meant you got basically the bare minimum rate offered and meant you were a high school student with no financial history whatsoever (and that if you were even a fuckup you could get like 5%).
Granted, I think you inadvertently stumbled onto the problem. The US is using capitalism as its form of government. That was never supposed to be the case, capitalism is just supposed to be economic policy. Granted even that's a failure in the US because we're not making companies pay for their negative externalities (or rewarding them for their positive ones), then bailing out all the literally criminal fuckers who fuck up the economy while letting predatory markets (health care, telecoms, many modern financial institutions) exist unfettered and then creating protected ones that then spend decades fucking up then demanding more (see farmers).