You can visit a university for a supervised exam at the end of a course. Exam sessions held even twice a year would allow people studying at different paces plan their time.
But you don't need to sit in the lecture halls. You can study where, when, and as much as it fits your life. (I stopped visiting most lectures after the sophomore year; I got an MD w/ honorable mentions nevertheless. I just studied more efficiently by myself.)
This system will likely result in your having many diplomas, for each significant course, and maybe a grand diploma for having a set of course diplomas and e.g. doing a master's work. But you can mix and match much more easily, and manage your time more flexibly.
The only losing side would be athletes. They'd have to find a different way to organize into minor leagues.
Both higher and secondary should be revolutionized with MOOCs, not as replacements for traditional schooling by themselves, but as an enabling technology for flipped classrooms with no in-person lecture where all in-person contact time is high-value interaction.
https://www.nytimes.com/2019/04/21/technology/silicon-valley...
If the teacher is working with 25 students for a 50 minute class, that's 2 minutes of individualized instruction per student. Even with the students working with the teacher in groups, you're going to have a lot of students working alone when they're not working in the teacher's group.
I'd rather MOOC's be used to supplement a traditional lecture. I know I used the hell out of Khan Academy during Calc 1-3 which were all traditional lectures.
Asking a professor is likely more efficient. It's still not as easy — you need to break his/her flow, and the professor must have enough spare time to answer.
Also, when you do more yourself you pay less; it can be important.
From my experience, going through harder parts of a textbook with a motivated friend or two works best.