> 1. it's easy to get a loan for the full cost of college And then spend the next few decades paying it off, having it as a constant stress. > 2. pay for STEM

> 1. it's easy to get a loan for the full cost of college And then spend the next few decades paying it off, having it as a constant stress. > 2. pay for STEM engineers is a lot higher Not everyone can be a STEM engineer. Not everyone wants to be; Society would be pretty terrible if all we had was STEM engineers. > 5. you can learn anything you want, via the internet, instantly for free Only for some skills. Watching some youtube videos will not make you a competent woodworker. > 9. if you run an online business, nobody needs to know your name, background, race, religion, age, gender, whatever, unless you choose to tell them. Even then, you can just make it up, because nobody checks or cares Until a lawsuit comes your way, or the local tax man decides to come by. As soon as your business becomes mildly successful, that easy anonymity starts to disappear. > Want a ticket from poverty to the middle class? This works: You forgot one more point: f. get extremely lucky to never suffer financial setbacks. Be lucky to have parents who aren't so overworked that you're forced to spend your time taking care of siblings. Be lucky to have parents that can even work into their older age. Be lucky to never suffer a major health problem that financially ruins you. Be lucky to never be injured or hurt such that you can work.