I agree with you on the rate of change, and the scale is only becoming bigger, and worse with student loan costs. Imagine 10-15 years down the line when a generation of workers needs to invest in some other skill set, and are still paying off their original loans? If we want to continue to advance as a nation/civilization we need to build in a social/economic way for people to afford potentially multiple major learning opportunities that can happen at multiple stages of life, without having to commit to massive life/lifestyle on the line risks.
It can't be this program that gets hauled out into the light occasionally, constrained by industry, geography, time, and whatever else gets thrown into the mix to constrain the program cost - it ends up costing us all more (in money and social instability) to not address the problem.