I'm wondering if you would acquiesce to surgery by somebody with vibe and no degree. Or want to take heart drugs designed by an acolyte of RFK jnr, rather than somebody a current pharma would hire. Overwhelmingly these structural roles demand formalisms acquired through tertiary study.

If you just mean fintech and politics... I guess it's arguable common sense is more valuable but again, the $b hedgefunds pay for quants who did advanced maths and stats and can prove their assertions. We're not talking vibe. Functional programmers in Haskell get jobs in banks.