My answer is yes or no ...allow me to share my opinion...
If you Google any keywords and click the SEO title, you will find out that most of the website's SEO title doesn't match with their article heading. The reason because they knew something. They knew Google rank by keywords.
What is wrong with "Video Games: What They Teach About Personal Finance" how this doesn't make sense..how this sounds illogical... Its still understandable and readable.
What's the point, you pay so much of money for your hosting, domain, theme and put so much hardwork for proper English and designing beautiful website when it is not been found by users.
Did you noticed that goggle didn't enforce us to place the keyword at the beginning in "Article Header" .. because this will not make sense..And what they are asking is to place the keyword anywhere as long as it exist in the Article Header.
So in your case, you still can have
SEO title "Video Games: What They Teach About Personal Finance"
OR something like
"Video Games have high impact in personal finance"
OR "Video Games : Do you think it affect personal finance "
As long it carries the meaning of your article content.
And your Article Heading can still be "What Video Games Teach About Personal Finance"
No one going to laugh or no user/customer going to do a comparison between SEO title and Article Header .. as a user their purpose is met by reading your article's contents and as an owner, your article is found.
At the end of the day, what we want is our website to be found by user and we have ranked. So we should take all the nec action to achieve that purpose besides delivering a good contents in website.
I guess we have to find out more about this SEO optimize for SEO title... if this is important, than we should focus what they are asking
Just my 2 cents