That's a great question and I need to refine my thoughts here more. But my take is that we should separate out how teaching/learning occurs and how students are

That's a great question and I need to refine my thoughts here more. But my take is that we should separate out how teaching/learning occurs and how students are credentialed. We shouldn't have big institutions supplying solutions for all of these different pieces. We could also split up a "degree" into smaller chunks. Maybe I pay Coursera for a macroeconomics course and certification on that topic, but I pay Udemy for a calculus course and certification on that topic. Or maybe a different provider certifies me on a collection of topics to say that I am a ready practitioner of macroeconomics.