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A minimum 4 year commitment was supposed to make you more valuable in the job market. That was the entire point or at least the message broadcasted. If a degree isn't conducive to large potential for at least a 30% increase in wages, what's the point of that time invested? Either institutes are adequately designed to promote this or they're effectively useless in a practical sense.
Sure you can. We could limit the work week to 32 hours, pay higher salaries such that homes and goods are affordable again.