"but I worked at Coursera and I can tell you that the people who make that product have a passion to support learning in the world."

lol, no one will take your points seriously with your clear bias. Coursera is utter shit and it is sad to see edX go down the same path. I guess because the people at Coursera are passionate it means the business does not have a desire to make money as much as a bank and thus the original OP's points are not valid.