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You have a choice to not take student loans or take an amount you can pay back. Many to most people actually do this.
For many the choice to not take loans mean they cannot go to school at all. For some reason, even the most mundane and menial office job requires a college degree. This means for a lot of people they are effectively stuck working minimum wage.
Student loans are only a part of our broken system. But its one that unfortunately is forced upon many people if they want to make a living wage.
There are plenty of ways to go to college without significant loans. It often means not going to U of _ or _ state, you can easily save $20k+ over 4-5 years by just choosing a less expensive school. There's need based scholarships, community colleges, tuition reimbursement plans, military service, academic scholarships, sports scholarships, and more. You do need a plan to get through in a reasonable time frame, just taking some classes and hoping to eventually wander into a degree is a recipe for crushing debt.
All of the things you mentioned require extra work from an individual that inevitably means others who don't receive those things will be left without. No one should have to jump through those extra hoops and many just can't for various reasons. And people should also be able to "wander into a degree", lives and plans change. Sometimes people have to switch tracks or leave and return to college and there shouldn't be repercussions for that.