The problem was the government providing the blank check loans with no underwriting. Without that subsidy from future taxpayers, incentives would be properly aligned.

No lender would have been stupid enough to give 18 to 22 year olds $200k for bullshit degrees and sports facilities.

The onus would have remained on employers and government to pay for education, rather than a certification, because they would have been the ones paying.

College should have never been presented as the only way to the middle class. In high school they shutdown my advanced trades class, maybe I could have been ready to hop into a decent job after graduation.

I recently spoke to a young art school grad who talked about getting on disability over a life of the corporate grind.

Who am I to disagree ? The Pentagon has never passed an audit, the government coffers are effectively a slush fund for defense contractors.

At this point, I think a universal basic income is the only way.

Not enough jobs exist for everyone. Poverty doesn’t need to exist