One thing that really needs to be unbundled is assessments for credentials, teaching, and research. As it is now you want to be assessed for credentials at a top institution, you have to pay to take classes and learn at that institution. Which often leaves you in a class being "taught" by a researcher who's uninterested in teaching and unresponsive, and who hands off the actual job of teaching to an inexperienced graduate student making minimum wage. And for this privilege, you're charged a massive amount of money.