Credentialism the worship of credentials throughout many industries when other cheaper metrics are available, but may be illegal (like testing for IQ in USA) https://en.wikipedia.org/wiki/Credentialism_and_educational_... https://en.wikipedia.org/wiki/Griggs_v._Duke_Power_Co.
and inability to declare bankruptcy so as to include student loans. Bankruptcy says that the _lender_ has responsibility to not enslave people with debt -- or rather the _lender_ may only enslave a borrower for a limited amount of time, after which it is ultimately the lenders problem that they gave that person too much money and that they should have known that the borrower would have never been able to repay. Debt is a useful tool, but the ability to enslave people with debt should be limited by the law.