That's an argument for why it's reasonable to be wary of taking financial risks. It's not an argument for why it's reasonable to call the police and a psychotherapist because you saw a mouse in your apartment.
The interesting thing is the younger generation treating education like a commodity. And given tuition costs, they have a right to. This will inevitably cause tension between the academics and the students.
The most damaging cause it will have is on society long term, as higher learning traditionally has been used for demonstrating the capability of an individual. Instead we're seeing the capability for obtaining ~$30k debt.
The point of the article was that we are finding more people like that, on average, than we were in the past.