I don't understand why there are so many 4-year and Masters programs that are so expensive. Who has $60,000 for a degree? They are priced with the expectation

I don't understand why there are so many 4-year and Masters programs that are so expensive. Who has $60,000 for a degree? They are priced with the expectation that you will take on debt and slave away for 30 years at the profession for which you're now trained, to pay it off. Community colleges look like a huge advantage.