271 karma · joined January 12, 2013
I'm not sure how sold I am on the idea that Spotify converts more people away from buying music "the old fashioned way" than it does convert former pirates into now (meager) paying customers, but I can definitely see it as a possibility. Unfortunately buying music sucks. Having to keep track of, discover, and store music (in any medium!) sucks. Especially if you aren't a collector of some kind. Spotify/Google Play/Apple music make that easier and that's why people are going to pay for it.
Let's assume you actually do end up bettering your life by taking out student loans and getting a degree. Although it seems almost memetic these days that you'll sink 100k into a school and wind up flipping burgers, in my situation it was actually the opposite. I was a cook for a catering business making very little money such that my federal tax burden was virtually nonexistent. After finishing school I make quite a bit more money, but I'm paying very high student loan payments (not complaining really, I was aware this would be the case) and the interest on my student loans is higher than on my mortgage! These are federal loans as well, not private.
By providing me a loan the government has essentially won! They've turned a tax burden into a source of revenue. My lifetime earning potential is much, much higher than when I did not have a degree and was working as a cook. Why are some of these interests rates as high as 6%? It seems insane!
Seems like a shitty situation. Before I got my degree I was making less than a third of what I make now, even though I worked more and got paid overtime. That was at a job I had worked at for five years and was likely maxed out of earning potential in that industry. I made little enough to have almost no federal tax burden. By providing loans the government has essentially turned a tax burden into a revenue generator. In just two years I am making this much more money, paying a bunch more in taxes, and my lifetime earning potential has increased significantly. But they still try to screw you from both ends, of course.
I would argue that barring a conspiracy of some kind that the designer has made a mistake in either in the preparation of the exam or the preparation of the students. Others might argue that students may be lazy or aren't maximizing the use of their time. I hear similar arguments about users now that I'm in IT but I've always felt that it is the designer's problem if "no one can use it right."