One narrative about the wealth gap in the United States claims that it is at least partially driven by a gap in financial literacy: If people simply knew more about money, they would make better financial decisions, and more wealth would undoubtedly follow. Kaiser and his team found that financial education can have sizable effects on financial knowledge and on some financial behaviors, but that those effects did not differ by income and depended on participants having adequate financial resources. When financial education is provided in schools, Espinal argues, there is likely less bias in the curriculum, as compared with education products offered by financial institutions that may profit if people open accounts after viewing their materials.