The U.S. Treasury report of June 2009 (p.11) defines macroprudential supervision as supervision that considers risks to the financial system as a whole, and recommends placing the responsibility for such regulation with the Fed.
And about how to give individuals the tools they need to become more efficient at work and more knowledgeable and competent in conducting their own affairs. This requires that we focus on both the quantity and the quality of education - whether that education be formal or informal. There is a vast body of literature on the returns to investment in formal education.