Actual university education. When public it transforms in debt (Europa) else private in student loans (USA). The debt of the countries are growing up. The qua

Actual university education. When public it transforms in debt (Europa) else private in student loans (USA). The debt of the countries are growing up. The quality of research papers is a measure of quality of the teaching that is decreasing, since both reproducibility and relevance diminishes (Signal = ln(relevant / noise)). The over qualification has not resulted in improvement of lower paid works or the raise of wages and it has put kids in situation of disarray whereas they would have survived otherwise hence the word "pro-net-arians". This generation that cannot save money is a generation barred from entrepreneurship, favouring conservative business models. We are also seeing the first wave of homeless educated and competent coders. Education is also failing at protecting the educated one. Education has also failed at achieving a fairer society and have resulted in the opposite leading worldwide to a ghettoisation of poor (public) vs rich (private that is often publicly funded). https://www.google.com/finance?cid=662984 https://www.google.com/finance?cid=662984 The danger of education is that it is essentially present in public debts that by nature is hard to bankrupt; thus countries (like Europe) may bankrupt as a result of this bubble. Remember that right now debt are obligations that are the safest investment ... if obligations disappear, the market will be explosively volatile.