You say that no one cares. But job postings all over the web pretty much speak the opposite. Google doesn't just want degrees, they want degrees from top schools.
So sure, if someone wants to work for a fly-by-night operation that MIGHT strike it rich, have a blast.
But if they actually want health insurance someday, then it might be handy to get the degree about the way.
People ask if you went to college and if you graduated, after that, no one cares it's true. But without it, you better have a compelling story or have contacts that "won't care."
Ten years ago or more, you could easily get away without having a degree. But graduating NOW and expecting to do that? Yeah right.
And if it were easy to take 4 years and learn to program and "make money doing it" without the slightest clue how to get there, then everyone would do it.
College affords you more than enough free time to "learn to program on the side to make money doing it" while also giving you a backup plan, in case your brilliant plans don't work out.