To say you are right on all points would be trite - but no matter SPOT ON... bingo in the front row... well said! IMO... I benefited from my edu-a-ma-ca-tion EE-B-Shite back in the 70s and although a NAVY vet - I paid for it without any help from anyone save my gal who would become my wife and still is...So did I benefit only to the extent it allowed to get what I was after to open a door but hard work and skills and intelligence got me to do it what I did for 30 years in High Tech and to make a decent life. Nuff said.
RE: General Gripe - my opinion of college (at least in USA)