The vast majority of folks can't afford something that expensive without an ROI. What's being discussed here is how our current system encourages getting into debt for it and how that's negative for our society.

But American society as a whole encourages that behavior. It's not just education.

For sure, but the issue is whether you should borrow so much that it becomes a public policy issue.

Who fault is that really? The banks and gov for over extending risky loans? Or the people who borrow? Probably both, but if the banks do not know the risk of over extending risky loans Im not sure what will ever be done.

It does when it costs hundreds of thousands of dollars.