sciencesaves, I don't believe the time and energy expended towards such efforts would meet expectations (of course, nothing 'meets' an expectation). The only focus we can be assured of is, that of our own financial situation.
Government, through taxation has a definite effect on any citizen's situation, or additional tariffs posed by various countries. We have limited choice in this matter, unfortunately.
Religious organizations only have sway when the faithful agree that 'money' is the answer to anything spiritually related. Quite an odd thought, when you consider it. The faithful are marketed too, and 'sold' on ideas such as tithing (tithe's first synonym is 'tax'), giving to charitable causes (without retaining control of fund distribution or being offered legal protection towards such), or the lack of encouragement by the majority of such institutions for their 'members' to become progressively better steward's of their personal earnings, savings and expenditure(s). As with so much of government bureaucracy, so too are such 'ideas' from other types of 'organizations,' seemingly well theorized, yet poorly executed.
Individuals will be best served by increasing their knowledge and in turn their ability to apply common sense when making decisions concerning their own finances, the only aspect they can truly apply discipline towards.Connecting-to-the-Value-of-Why 2005-2008 ©