See here is your problem. You think it's fine that college costs reflect the return over a working lifetime for the skills gained. That is credit creation righ

See here is your problem. You think it's fine that college costs reflect the return over a working lifetime for the skills gained. That is credit creation right there. It allows the pulling forward of demand to capture labour over a lifetime for credit creators (not intermediaries) - the banks. Until we tackle money creation housing and college, two essentials - that's why they lend into them - will always reflect the total potential income over a person's working life. If we double productivity rentiers will get the same % of your labour. This means everyone will always and forever be under the thumb of usurers. By design.