My DD started EPF when it opened in March. She has been taking her time, following the schedule and learning the material. (She has the free time!)
You could 100% do this class quickly and “pass”. However, you would be cheating your child of the opportunity to actually learn the material. It’s a decent class and covers the basics of micro/macro the first half and life skills the second half. These are all life skills we have discussed around the dinner table, but it’s always good to drive home the importance of smart spending, how to protect yourself with insurance, and the stock market.
The self-directed option has been fine. If your child would enjoy the “live” class, that would be fine as well. I wouldn’t make any snap judgements about their motivation overall if they have a preference for a live vs self-directed class. This is a rough time and these kids are all doing the best that they can.