I'm not in education atm but have a lot of experience working with students.

This is a real psychological effect even if it's maybe hard for tech types to understand. I think it has to do with the fact that social pressure is avoidable online (you don't have to show up and face the teacher whose work you didn't do). That perception has a strong effect on students; they feel shame for not doing their work even when teachers don't really give a damn about whether they did their homework/project.

Maybe not impossible to overcome, but a real problem. Education disruptors ignore these sorts of strong psychological effects around education at their own peril...