[puzzledobserver]

It's also because making some of these decisions (choosing health insurance, deciding how much to save, etc.) involve two considerations---the first being purely analytic (mundane cost vs. probability of contracting major disease vs. cost of catastrophe) and the other being necessarily extra-analytic (how risk averse the individual is).

One can objectively reason through the first set of considerations, while the second involves a subjective element and is likely heavily influenced by their upbringing and life experiences.

Nobody knows how much to save or how much to spend on insurance. It's completely reasonable to seek advice, and one's parents might be a great starting point.