It used to drive me crazy as an NCO.
Once they bounced 2-3 checks, command would get involved. Which means looking at the squad leader and saying: "Find out what's going on."
Now, you did get the guys who got a no pay due or worse, the finance glitch where they deposited the money in the account and a few days later reversed it, but in 2 years that was like 3 guys.
The majority of it was "Well, golly gee, Sergeant, I don't know what happened..."
They'd go to the classes, go to the lectures, and sure as shit, they'd be right back. Bounced checks.
Half the time the checks bounced were to the check cashing places, or to like AAFES, and I'd tell them "OK, let's go over your budget" and they'd look at me like I'd just asked them to compute orbital mechanics for Mars with an abacus.
You know how many times I heard "Man, I don't know that shit..."
Or worse, I'd have these fat wives or drooling retards going "Be nice if I knew how to do that shit" and I'd point out it was basic math and I'd hear "Well, I was never taught that in school..."
IT'S GODDAMN ADDITION AND SUBTRACTION, YOU FUCKING MOUTH BREATHING MORON!
Oh, and trying to teach them two column budgeting might have well been trying to teach them quantum fucking mechanics.
There was more than once they got thrown out for check kiting and budget problems and they'd be "Why did you sign off on it, Sergeant, I'm trying..." when they were some willfully ignorant fucking jackass I'd explained budgeting and accounting to at least four times.
Yeah, when you're enlisted, especially with kids, money is really tight, but if my ignorant red neck trailer park dwelling ass learned enough from public schools full of illegal aliens and inner city blacks can learn to manage his money, why the fuck couldn't these people?