Graduating with a huge student debt that needs to be repaid doesn't encourage exploration and risk-taking, so that would be one of the areas to focus on.
Is that not the case?
I guess it can be argued that those fields fall under "exploration and risk taking" though...
Hard science majors (especially biology) don't have it so well, unless they go to med school or pharmacy school.
Math is a pretty mixed bag, some math majors get well paying jobs as actuaries, statisticians, modeling, etc, but many (and all I know personally) end up in low paying jobs that you don't need a degree for.