Also they specifically target people who've never had to deal with such things in practice, and lock them into a multi-year commitment (another thing they've ne

Also they specifically target people who've never had to deal with such things in practice, and lock them into a multi-year commitment (another thing they've never had to deal with) that they can never get out of while all of society tells them that if they don't do it they'll be a failure. Even if you understand the abstract math as a teen, it's a bit much to expect someone to make an informed choice about the reality of resolving it over years which they have no experience with, and in a job market that they have no experience with. It's a high-pressure predatory system with long-lasting consequences that targets the vulnerable.