This is pretty misleading. Don't you think the government's forcing "income" to be defined as w2 salary has a lot to do with why this happens, and is therefore

This is pretty misleading. Don't you think the government's forcing "income" to be defined as w2 salary has a lot to do with why this happens, and is therefore an important qualifier? They literally invented a new industry by arbitrarily restricting terminology. Those loans would never exist if we did not pray on individual earners to "fund" the government's "services."