Finanza, welfare e governo dell’incertezza: il caso dell’educazione finanziaria

Abstract

This article focuses on financial education with the aim to explore the relationship between finance, welfare policies and the governance of uncertainties and risks also in the light of the Covid-19 pandemic. The article discusses the normative substratum that lies at the intersection of daily life and changes in the institutional and regulatory structures of welfare policies. In doing so, it shows how financial education turns protection from critical events, including pandemics, into a financial skills issue that vulnerable individuals and families must address through individual and financialised coping strategies, without broader social factors and contexts of vulnerability being taken into account and addressed. Finally, it points out that the pandemic situation does not seem to be a factor of discontinuity in this respect. Rather, the pandemic emergency appears to be used to support the further development of long-term trends, particularly processes of depoliticization and individualisation.