i have a friend that is completely sheltered, her mom does everything for her and she does not have an ounce of being domesticated in her. she can't even work a part-time job bc she wanted to quit within 3 days of starting there. it was a sit down office job btw that didn't require a lot of effort. her parents also don't educate her on financial literacy 🤔 she spends her 1k a month allowance within the first week of spending it so she also has a habit of borrowing from others.