I think another huge factor is that you are making a prediction on the future value of your degree over the next 40-50 years as a 17 year old who is probably more focused on succeeding socially and sexually. You add in the student loans that may or may not be forgiven at some time in the future and the free market is not in play. Same with Healthcare, insurance clouds all free market mechanics.

I'm a huge capitalist and I think we need to be honest about where capitalism isn't working. It's always due to free market mechanics being removed from the equation by layers of obscurity. I don't know the right answer but this shit is not working