Why is it so hard?

Why is it so hard to talk to families? More to the point, why don't families want help they know they need?

1 family:

1 Father (30 years old)
1 Mother (also 30)
1 Son (9)
1 Son (7)
1 Daughter (2)

Income:

1 Father who works (Mother stays at home with the daughter)
Maybe 30-40,000 a year. Probably less.

Expenses:

1 Small house/apartment
3 Kids
Food, clothes, car, health insurance...

Future Expenses:

3 College Tuition
2 Retirements

Solution:

Has heard of the benefits of Life Insurance and liked them, but decided to "do research" and "look into it".

Benefits of GIUL:

Guaranteed 6.8% intrest the first year, no less than 0-1% all other years with a cap of 14% during top years.

Current plan for raising money for future expenses:

1 401k with less than $5,000 in it that will lose money with stocks.
That's it.
Oh wait, saving money in the Bank which gains 0.28% interest a year minus taxes.

Why do people make life so challenging??? If you're in a relationship and you have kids to look after why aren't you kind of focused or planning your finances a little better, or at least taking financial advice when it's given to you.

Ugggghhhhhzzzzz....