While I agree with you that education will likely help the majority, I have to note how scary it is that I've seen people start a business on credit card debt -

While I agree with you that education will likely help the majority, I have to note how scary it is that I've seen people start a business on credit card debt - one of the worst kinds of debt - and succeed. They'll almost always tell you "Don't do it the way I did", but oh wow it's succeeded for so many. Of course, selection bias and all...