A 17 year old kid is forced into taking on debt to attend college
No they’re not! No is forced to go to college, and no is forced to go into debt to do it! Those are both choices they made! The premise of your whole argument is not true!
With all sincerity, I hope you encounter misfortune through no fault of your own that ruins your financial security for the next 20 years.
Unlikely, I plan ahead and don’t make stupid financial decisions.