It sounds like you agree with the ISA concept but are only unhappy with the price. I'm guessing the terms are this way to discourage the less motivated.
No I don’t really like ISAs and personally would never do one myself.
I teach a 10 week program and students who drop out 4 weeks in are offered an option to return to complete during the next offering but are on the hook for the full program costs. This does not mean I think someone who drops out of college after 1.5 years should have to pay for 4 years. It's not the same situation.
Traditional college courses meet for a few hours a week. This is a 9-month all day program.