I think they are lacking basic common sense skills in general. I was talking to my brother-in-laws wife recently(she's about 23 or 24) and I was just shocked at how little she understands about day-to-day concepts like credit and finance. I got off the phone with her thinking she was an absolute idiot. Now I don't know if she really is just an idiot, or if she is the product of a failing educational system, or her parents are to blame.

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Tiger got to hunt, Bird got to fly, Man got to sit and wonder 'Why, why, why?'
Tiger got to sleep, Bird got to land, Man got to tell himself he understand.
~Bokonon