It could be argued that that 100K is the price tag associated with the centuries of learning accumulated; i.e. that is simply what it costs to have yourself sui

It could be argued that that 100K is the price tag associated with the centuries of learning accumulated; i.e. that is simply what it costs to have yourself suitably trained and prepared to safely pursue your intellectual curiosity, and therefore an unavoidable expense (unless you don't mind moving to e.g. North Korea).