I know things have changed and life is far more complicated today but the fact remains that people were taught to fly for many years, owned and operated their own aircraft, did check rides and flew bonanzas departing with the nose oleo fully extended (as foolish as it gets) without filling out and calculating W&B paperwork. In all those years never completed a weight and balance before a flight. If you understand it and know "why," all of a sudden you have tamed the fire breathing dragon.
One thing that people take for granted is that the aircraft M/T weight is accurate. It isn't always and you are just taking a maintenance engineer's word that the aircraft was weighed accurately. Not always the case and I have seen several aircraft have dramatic weight change after a re-weigh. We are talking on a DC-3 T that weighed over 500 lbs more. That means the aircraft has been flying around at 500 lbs over gross on every max load takeoff for several years but the paper said we were legal. Ironically no change in how the aircraft flew. As I said, this has happened more than once in my career. It was always a nonevent from the flying side. I'm not condoning overloading but the point I'm getting across is it is just math and with that no guarantees it's accurate.
How many flight crews and pilots dick with male, female, child standard weights to make a W&B show legal - has happened thousands of times a day in the past. Is it still going on, I don't know.
How do we beat "practical" back into flight training. Large flight bags should be outlawed