You have a point there, that is also why we also decided to pull our eldest out of regular school and start homeschooling instead. There are lots of practical knowledge not being learned in school. However if we'd like our child to become medical doctor for example, then we cannot teach them that in homeschool right.
Regarding people who end up burdened in debt, then that may be because of poor financial planning in addition to a lot of ther unforeseeable life circumstances
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