The problem is that large scale debt makes you interested in money AFTER you get the degree. While getting it, the debts on hold, and there is no pressure. If

The problem is that large scale debt makes you interested in money AFTER you get the degree. While getting it, the debts on hold, and there is no pressure. If you want a class of Doctors that don't care about money, have them accumulate moderate debt, and get a nice but not extravagant income. But Huge debt with a just large enough income to pay it off, just makes people who otherwise wouldn't care about cash, start caring about cash. (This is exacerbated by the fact that many Doc's go straight through and have never had a job until Residency, where they have to pay off the debt - but are not (yet) making enough money to do so. That'll focus your mind on money fast.)