The school teaches us to cultivate the cultural level.
Religion teaches us to cultivate the ethical level.
Are all fundamental and indispensable variables to achieve an full understanding of life.
Then, only those who have traveled a lot they realize that there is a fourth variable, at all negligible: the territorial culture.
But, only in mature age, we understand the existence of the fifth variable, the most decisive: the "Personality".
Because only with the use of this category, you will understand how is possible that people with good formal level, highly educated, very ethical, they are capable of accomplishing boorish actions breathtaking and of accomplishing this without realizing of it (neither retrospectively!).
"You have attributed conditions to villainy that simply result from stupidity" (R. Heinlein).