If I were a current Harvard student, I'd drop out for the next year. Take some community college courses, work, travel (in a COVID-responsible way...maybe road trips only).
This is a unique opportunity to get off of the well-trodden path and far preferable to sitting in front of a computer in your parents' house for a year.
There is a huge safety net once you've gotten into an Ivy or other top school. Best case scenario, you start a business and no longer need Harvard, a la Zuckerberg or Gates. Worst case scenario, you graduate broke at 23 (with some great stories), rather than broke at 22 (without the stories).
The value of a college degree is:
1) Signaling/exclusivity (the diploma)
2) The connections you make
3) The subject matter that you learn
4) The social environment – all of the benefits of adulthood with none of the responsibilities
Distance learning only hits #3 on that list. Harvard can get away with charging full tuition for its classes because...it's Harvard. So it also hits #1. But the majority of schools are in for a rude awakening when they realize that students were paying for the social environment and aren't willing to, in the words of Good Will Hunting, "Waste $150,000 on an education you coulda got for $1.50 in late fees at the public library."