That's not always true. Most people seem to think they "need" a car, yet the price of cars isn't astronomical.
But you're right that even though the cause is noble (education available for everyone) our current mechanism of funding it results in runaway prices and for-profit scams.
I don't think everyone should not go to college and learn to code though. I think in the near future coding will be a basic piece of literacy, but only one piece. I think it's reasonable to imagine a future where just like people study english and learn to do some writing in english 101, they will also learn the skills to munge a csv file or write an sql statement in programming 101, and both will be part of a well rounded education.
The last thing this industry needs is a flood of high school graduates creating shitty insecure websites. I say this as someone without a degree, who knows first hand that although it's possible to make it w/o a degree, it shouldn't be anyone's first choice.