I feel like you are engaging in some survivorship bias [1]; I'm glad you were able to graduate without debt or any kind of special help, but there are a million factors that could have influenced that, and it feels a bit reductionist to act like all of the problems of student-load debt can be expressed as just people choosing expensive schools and are too lazy to work while going to school full-time.

I did very poorly in school, dropped out before I had a chanced to have too much debt, but have done relatively well in the professional market. Would you say it's good advice for me to tell everyone to drop out, because it worked out fine for me? I don't think it would be; people are different.

[1] https://en.wikipedia.org/wiki/Survivorship_bias