A few years ago, I had to consider whether I should create college funds for my kids. Based on everything you describe, I fought it for a while.. and then changed my mindset.

They don't have "college funds," they have "education funds" because they will always need education, regardless of how it's delivered.

I'm looking forward to a time when that can be used for Coursera, Lynda (LinkedIn Learning), and any other continuing education program. That will be a powerful shift.