So don't blame the kids, blame fascist corporate "schools" that charge you 100k for a diploma.
I do blame institutions. I also blame the unmerited pressure on kids to jump right into college when they have no good clear path to success (you should weigh the cost of education to the benefits it yields). I also blame federally backed loans... since their creation the cost of tuition has sky rocketed because the colleges know they get a check regardless if the student completes a degree and / or has the means to pay it back. Its a whole cycle of crap, which all works in favor of the greedy schools we both oppose. Our main difference here is you support more government control while i believe a truly free market would regulate that much better.