Yes, it's currently difficult to sell a degree because you have to fake the whole shebang. There are some institutions that do exactly what you propose, but mar

Yes, it's currently difficult to sell a degree because you have to fake the whole shebang. There are some institutions that do exactly what you propose, but market forces leave only the ones with zero standards standing. They are called "diploma mills," they have existed for a very long time, and accreditation bodies stripped them of official status long ago. There are plenty of places that let you test out of individual classes, but testing out of a full degree for a five figure fee is one gigantic perverse incentive.