You are definitely right about the different types of students. It isn't a black and white problem. It also feels to me like the problem is that they are obviously interested in making money. I think they believe that in order to make money you have to offer grades and certifications. In order to do that you have to control the experience. I hope they find ways to make money outside of this paradigm. Our businesses also need to adjust their ideas of what qualifies potential employees. It would be nice if you were qualified based on what you have done or built or figured out rather than on what you have been scored on. That is largely how it is in my field, software development. I am much more inclined to pay for an all-in-one lecture series than a scheduled and scored curriculum. Thats just me and I know I'm not representative of everyone.