Ya you may be right, at least in terms of expense, but I'm also considering the external cost vs reward even if debt is zero. A woman struck up a conversation w

Ya you may be right, at least in terms of expense, but I'm also considering the external cost vs reward even if debt is zero. A woman struck up a conversation with me yesterday at a cafe and we got to chatting. She had already had two careers, first in film, then teaching film, and now starting a PhD in philosophy, which I think is fantastic. But... she's a retired grey hair who owns her home, and the topic of whether her former students or myself would even continue to feasibly attend school or stay present in the community was unavoidable. There was no malice or particularly negative sentiments exchanged in our brief conversation, there didn't need to be, but there was more of an exasperated acknowledgement that there's no possible scenario wherein myself, her students, or her own adult children could secure a house remotely like hers in the broader municipal area by our own means, without winning a literal or figurative lottery with immense career success. Land is too expensive, prospects don't pay enough and they're too volatile. She wouldn't have been able to either, it was just plausible, though still probably pretty expensive for her at a different time, likely with another income. It's not impossible to make some pursuits work, but tbh some things are not worth pursuing if they ain't gunna pay. It's an existential crisis that people are well-aware of; why invest ones finite resources into something that won't even let you form a stable adulthood?