Personal finance is simple, financial planning (forecasting/scenario planning) is hard, and building software to "teach" this to customers is vastly harder and not really in the wheelhouse of financial institutions. This isn't to defend such companies, nor to knock developers, just to point out that it's very difficult to meet people where they are on this very personal topic.

Then again, the Ux of Fidelity's site, for example, is also a great example of how not to do things, IMO.