However, a degree creates better access to certain opportunities that are more difficult to access without a degree. This is weighed against the opportunity cost of earning a degree. It is worth keeping in mind that opportunity costs are not unique to earning a degree and are part of every decision whereas the increase in opportunity access that comes with a degree is unique to earning a degree.
Credentials are not everything, but they are not nothing either.
Good luck.
It's almost as if success and failure can't be assured by anything. Color? Gender? Age? Upbringing? Education? Field? None of that guarantees success or failure.