Some schools are $100k/year for room, board, and tuition, and yet those expensive schools are very much optional. It's a red herring to point them out.

There are still affordable schools. And staying in a dorm with expensive room and board remains optional at many institutions. Heck, some people still live with their parents.

The state school I went to is still just around $10k/year tuition, and I got a broad education that opened many doors for me. (I was in the humanities, but there are very good science programs there as well.)

Of course it's crazy to sink $400k into a degree for most people. And for many, many people, it is completely un-necessary! You can still get a relatively affordable 4 year degree.