Good point....1st world's readily available credit, you can even go in debt to buy a gallon of milk, is a two edged sword. I see some countries where they hurt bad b/c they can't have anything in life that they can't pay for in cash, kind of harsh....but then, we're at the other extreme, probably not great either.
I wonder, too, if people have come to just expect too much from colleges. My daughter went to ASU for a couple years. They have EVERYTHING. To set up your schedule there is a dedicated team of advisors 24/7. There is a special app, that probably took 6 months and 10 programmers salary to make, just to run scenarios on different schedules - it's really amazing. There is a special app to help you figure out an open parking space on your way in. There is a security app with a panic button. There is a 800 #, staffed literally 24 hours a day, where you can ask any question of any kind and get pretty substantial help - and it doesn't appear to be off shored either. There is extensive counseling services, all free, should you experience any type of offense during the day! There are apps upon apps upon apps, free shuttles that run every 10 minutes for 18 hours/day in between all Metro campuses--all free. There isn't just a Journalism major, there are 28 varieties of it, each with a dedicated team, advisor, school, president, and probably section of the building. Trans BIPOC Guatemalan Journalism, Historic Documentary Dolphin Climate Change journalism, I mean........You get the gist. It's....insane.
All of these expectations people have of colleges comes with a cost. But I'm sure you're right as well......people charge what the market will bear, and with readily available credit, it's easier to bear higher prices, so....