You are absolutely right, but much like having a personal trainer, or a doctor who tells you to eat/exercise right, you have some responsibility in the matter.

Moreover, if it were the case that less hand-holding helped produce a more market-valuable graduate, then you would rightly expect this.

A lot of incentives in education are woefully misaligned, in my opinion. And I can't really see any simple obvious fixes, but entitlement to knowledge in the form of understanding on the part of students is not one of them.

As Euclid is to have said, "there is no royal road to geometry".