You can after 2 years, what am I missing? Or is that too much time to spend at a job nowadays?
Analogizing with another crime against a person's freedom to do as they please, consider "kidnapping." It includes forcibly restraining a person or moving them some place they'd like not to go, and in the eyes of the law the duration doesn't matter; people have unsuccessfully defended kidnapping charges for minutes of detainment. If you agree that the fees in question do rise to the level of indentured servitude (which seems plausible at least), then the fact that it's only for 4% of your working life shouldn't be a relevant consideration.
Big difference is I'm getting money.
I've wasted over a decade (thanks health care in Europe, you stinky garbage!), so I don't get your last point.