Webster's definition of "stand-by", when defined as a phrasal verb, means "to be present while something bad is happening and failing to take action to stop it". The absence of financial literacy in U.S. classrooms is the "something bad that is happening", and it's time to take action; to properly use the first class resources available at the state and federal levels in education, and quit 'standing by' as students continue to graduate from high school only to enter the "real world" grossly unprepared to apply the best practices in spending (i.e. the ability to make confident and healthy, short and long term, financial decisions).