Well said. This should be part of orientation for every new college student.
To be clear, I'm not saying I was always smarter than people around me, I just felt like I never had to work as hard as I suspected even through my Masters program.
But once you get over the barrier to entry for most white-collar jobs (bachelor degree), what's the point? If you're not getting anything out of the education, you're only borrowing trouble from yourself in the future.
My bachelor's was relatively easy. My masters was MASSIVELY difficult. The PhD was even harder.
Because I sought out those difficulties.