No one can tell you for sure, if it's your passion do it, if you're hoping for a big payday, I'd reconsider.
The people who can't hack it are those who'll be in trouble. Tech has never much been the place where credentials are necessary.
Don't specialize and saddle yourself with years of college debt if you're unsure of the field's long term prospects.
And companies like Google are pretty keen on academic credentials. They've assembled what must be one of the largest collections of PhDs in history.
Right. The debt problems that people have after PhDs are more often due to their undergrad loans sitting around for 4-7 years while they were earning enough to subsist and not more.