If I’ve learned one thing teaching and raising teenagers for over two decades it’s that whilst teenagers are very intelligent, they are also very, very naive and lack common sense.

It’s not that education reduces the risks; it’s that education is education. We have built a society with the internet at the core of everything we do and a smartphone as the default way to do anything.

At high school in the 1990’s we had a ‘Preparation for Life’ module where we learned about credit ratings, first aid, how to write a cheque and open a bank account. PFL for Gen Z should be centered around smartphones because they’re how we interact with the modern world and its goods and services.

From age 12 we should be teaching young people how to sign up for several email addresses so you can have a close personal one, a spam address and a professional one. We should be showing them how to apply for government things, how to manage finances and how to watch out for fraud. How to use social media to your advantage instead of becoming the product and so on.