Literacy is not something you are born with or something that is given to you by someone else. Rather, it is a skill that you have to develop over time, through training and practice. Regular exercise is required in order (1) to achieve some basic competencies, (2) to increase your skill-level gradually, (3) to reach your fullest potential, and (4) to prevent the loss of your acquired skill.
Like learning to play an instrument or becoming a great chef, developing your literacy in some area is a project. It is something you take on in your daily practice and that has an effect on the way you live your life. Moral literacy is not about memorizing some ethical rules. It is about living a life that is characterized by both sensitivity and thoughtful responsiveness to ethical challenges.