Except with all those examples you gave, there are almost not parents that would encourage their child to do that. They would be cautioned over years not to do

Except with all those examples you gave, there are almost not parents that would encourage their child to do that. They would be cautioned over years not to do so. With college that's not the case at all. It is purely happenstance that I don't have loans from school. I knew college was expensive, but the extent of the expense, was not clear to me at all surrounded by a family who had never gone to college. I avoided loans because an in state school happen to be good enough for my teenage dreams and my state had a series of grants for poor and intelligent students. It could have gone very differently though and no one would have told me it was a bad idea.