What you're saying is agreeable: taking a class provides a certain level of motivation that self-study doesn't provide, for most people. That doesn't conflict

What you're saying is agreeable: taking a class provides a certain level of motivation that self-study doesn't provide, for most people. That doesn't conflict with the idea that typical college courses have little tangible value added. If you're ok paying a couple of grand for extra motivation, then I hope you truly have a good reason to be doing so, and that it pays off. This type of system doesn't really support people who just want to learn for the sake of it though.