Buying insurance and investing for the future requires spending less in the present. why is this a hard choice for many people? would it be hard for you?

Many people like to look at short-term rather than long-term when it comes to financing. Additionally, I would say the lack of financial literacy plays into why people don't choose to invest for the future. It really depends on the socioeconomic status a person is in because some may struggle to make ends meet and can't afford to invest for the future. I would definitely lean towards lack of financial literacy because you'd be surprised how people know more about irrelevant matters than crucial information necessary for decision making. 

It would be less hard for me because of the resources around me that help me understand my options and how to manage my money. For people like my parents who lack these resources and knowledge, they are less inclined to invest because they don't know how investments work. 

Yes i believe the answer is b. it seems to be the most logical answer. hope this . : )

General education? that is the only one i could think of.