Given how much modern society depends upon computers, it would be a good thing if there was more exposure. To use your example of managing finances, a little knowledge of programming can enable people to use spreadsheets more effectively. Likewise, a little knowledge of computer architecture can help people make their electronics purchasing decisions more effectively.
Then again, programmer appreciation day isn't about encouraging people to write professional level code (or even amateurish code). It is about recognizing the contributions of programmers. Programmers contribute a lot. It ranges from the games and media software that entertains us, to the applications that contribute to business and science, to the embedded software that is essential to communications and infrastructure and industry. In other words, programmers make our lives better at both a personal level and societal level.
Do I think that we need a day to appreciate programmers? No. But I do think that we should appreciate the people who contribute to society, rather than highlighting their faults (which is what we tend to do when we complain about things that don't work as we think they should).