Employers don’t require a mortgage or a credit card for you to get a job that pays wages above the poverty line. They do require a degree with no economic exposure to that requirement.

> Lets at least be honest: "I like this but it means janitors / construction workers / hard working immigrants pay for the college of people who didnt."

Only if they have a federal income tax burden. That’s honesty, not the moral hazard you’re attempting to invoke.