So you call a millennial getting a degree not ‘personally responsible’? Disclaimer: anecdotes ahead, but I know many, many millennials who grew up hearing ‘Just get a college degree and you’ll be in good shape’ who did and aren’t, respectively. Not everyone is geared toward being an engineer or mathematician or scientist. For those who aren’t, and followed the resounding conventional wisdom to get a degree, largely got screwed. Full stop. Personal responsibility would hold water in a world where millennials gave up on the system and got screwed. This isn’t that world.