Don't you have consider that many jobs require a college degree? You can certainly argue that this is a dumb requirement - but regardless of "ROI", if you want

Don't you have consider that many jobs require a college degree? You can certainly argue that this is a dumb requirement - but regardless of "ROI", if you want job X, you need to get a degree (for many X). It is very obvious that everyone doesn't choose their career path to maximize income. Of course, maybe that is changing rapidly. Tech seems to be ahead on this since there are more direct ways to prove your ability.