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Your point is interesting. That being said, ughh anyone who pushes this smacks of neoliberalism. Wow now parents have to save from the birth of their child.

When will it start being considered “responsible” to save 10 years before a child is born and if you don’t you’re irresponsible cuz you missed 10 years of growth.

When will it start being considered “responsible” to save for your grandkids college?

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I think the real point is how parents can help their children win the game according to its current rules, not what post-secondary education finance policy is or should be.

Personally, I think the economy would benefit from appropriate government-financed post-secondary education for those students that show an aptitude for it. However, I suspect that a test-based system similar to that employed in Europe or elsewhere is politically untenable here ("I should have the freedom to choose to go $336k* into debt at an elite photography school!")

(*NB: I wish I was making that number up but there was someone that actually made this choice a number of years back.)

What does neoliberalism have anything to do with it?

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