These are two different problems. I believe your complaint is people are under-specialized in useful skills. For example, if someone was highly-specialized in m

These are two different problems. I believe your complaint is people are under-specialized in useful skills. For example, if someone was highly-specialized in middle eastern poetry during a small 30 year period, they would likely still not be able to pay back loans. In the sciences, people are over-specialized. I run into scientists frequently who are quite smart, but lack understanding of statistics, math, causality, and philosophy of science. This might have been acceptable back in days before large data sets, but now the way we do science has changed considerably, and scientists are largely unaware of the philosophical implications of this.