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It doesn't have to be though. In Europe the vast majority of people attend public universities that don't require having to end up with a degree and crippling debt.

I left uni almost 20 years ago, but one year of my tuition was about 1000USD at the time, something I could easily afford with a part time job. I'm sure the cost is higher now, but I would have thought it is still orders of magnitude cheaper than in the UK or the US. Germany subsidizes university tuition fees for a huge percentage of students, and adds a monthly stipend for expenses and free public transport while enrolled in uni.

Your point is valid, challenging the worth/cost of higher education. But I think it is the cost part what is broken in some parts of the world, not necessarily the worth part.