Most people don't need it. Look at sports. Why do top athletes have their own personal coaches, fitness trainers, nutritionists, psychologists, data analysts etc?
I don't quite understand the point you're making. Most people don't need what? A Harvard education, prestige, or a college education in general? What do "top athletes" demonstrate in support of your point?
Not being snarky. Just trying to understand :)
The answer to that is the answer to the question I asked. Why do top athletes have so many domain experts around them?