You are seriously out of touch with reality. Well, if you want to be a programmer, you can be a programmer right after high school, and there's no need to spend $30K per year to learn Java and Turing machines. Maybe you, too, have fallen under the spell of PG almighty and believe that "making something that people want" is sufficient to be a sucessful entrepreneur. After 10 years of trying and failing, you may come to the realization that playing the "all or nothing" game usually results in... nothing. Now you're on your late 20s, your high school friends who had more common sense are getting married and having kids, and you have nothing to show. Since you believe you're better than the ones who chose the easy path, you go "all in", hoping for that ever-elusive IPO that will make you rich enough to stick it to the system. In the process, you will have wasted your life chasing a dream.
Programmers tend to think that having coding skills is all that matters to make it big. Problem is, the barrier of entry is very low in programming these days, and if a high school kid can outcompete you, you're probably playing the wrong game.
People who live in the real world understand that universities sell credentials, not knowledge. Such people understand also that an undergraduate degree is little more than indoctrination, a process through which obedient employees are created. Most organizations need obedient employees, they don't need "creative" coders. Sorry, you're not a special & unique snowflake, and the world does not owe you a thing. It may suck, but being in denial won't help.
An undergraduate degree serves many purposes. For one, it indoctrinates you, which sounds evil, but is a necessary evil. Second, it allows you to find out what you like and what you don't. Third, by doing what you like and meeting like-minded people, you end up realizing who you are, not by introspection (fuck that new age BS), but through action. Fourth, it allows you to network with people from all walks of life and the most various fields. Fifth, it provides the skills necessary to accomplish something. You can stay 4 years at home studying by yourself, but you'll go crazy before you accomplish anything. Being in a structured environment for 4 years is a much gentler way of building a skill set that actually matters... just as long as you stay away from sociology, psychology, "womyn" studies and other such distasteful insanity.