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I'll go one further.

Education is not an asset you can take away. Houses and cars can be foreclosed on; you can't take and resell education as a good.

It either needs to be kept as a pure luxury commodity, or it needs to be valued societally and not require an individual to pay for. Even if college is 'cheaper', if it prices some people out, it can't be viewed as a necessity to be able to get a good job (not saying it is, but society certainly tries to push that viewpoint).




Lots of credit card debt is unsecured because the purchased goods are consumed, but that is dischargeable.


Which is why credit card interest rates are so high and why you can't get a credit card with $100,000+ limit as an 18 year old with zero income or credit history.


And also why credit card debt is not concerned a necessity for 'making it' in society.




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