The dirty little secret of EdTech is that there is no money in improving learning because there is no way to capture the value. For all but a handful of highly specialized and insular professions, there is no scalable infrastructure for objectively assessing skill mastery. Most learners don’t want to learn for its own sake, they want a credential that proves their value to potential employers. All of the value in learning accrues to the credential, and everyone in the educational establishment is quite happy reserving that privilege for the accredited universities because they can just bundle more and more products and services into the tuition sticker price without ever having to justify it. Oh, and the student loan racket ensures that enough students are price-insensitive that they’ll never look for alternatives.