In this exercise, are there any consequences on paper for making bad choices. e.g. bankrupt? If not what is the point of this instruction?

The concept of "power of compounding interest" is not that hard to teach in my mind. And if the game allows you to as some have said, to take alternative means of commute: walk, bike, mass transit instead of used car and then apply the power of compounding interest on the savings, I think the instruction will be very worth while. You can see how you can have your money work for you or against you.

Most people who get rich, get rich by having their money make money for them. And be frugal.

As for marriage thing, does it include partnership? and not just roomate.