Schools turn learning into a horrible grind. When was the last time you enjoyed a book that you were forced to read for an English class, even if you love reading? Or, for my fellow math-enthusiasts: it's fine to learn how to solve a quadratic equation, but do you really learn anything from doing forty identical problems instead of five?
People who care about a subject will be an order of magnitude better at learning it than people who don't care. And the whole school system seems to be based on the assumption that nobody will ever care.
(Oh, and this doesn't just apply to the top 10% of the class. One of the best classes in high school was a vocational thing where we built a house. We were expected to learn how to put up drywall, wire electrical outlets, use power tools without supervision, and so on, without having a teacher riding our asses the whole time. People rose to meet that expectation and enjoyed the class, even the ones who flunked remedial math and carried knives everywhere.)