My recollection is the NFL requires financial education for football players because most pro football careers are short-lived and it's the most money most of them will ever make, but they are young and tend to want to behave like this is their starting salary for their career and it will surely go up from here.
See also actors, perhaps especially TV actors, etc. They're young. They're in an environment of people spending money lavishly. And, as you say, they really want to believe that they'll be the statistical anomaly who will have a long lucrative career.
It's also hard because some of those "lavish" expenses are a necessity if you are famous and make your money from things like looks. Very famous people may need security in various forms that ordinary people do not need (bullet proof limo, security guard, housing with security). Oprah has said if she wears the same outfit twice in two months on her show, people have a fit about it and many stars have to pay for personal trainers, expensive haircuts, etc just to keep their "job."
