Here's the thing. I don't have a CS degree. I can program financial systems pretty well, but I am not a CPA either. I know enough about these things to have intelligent discussions with accountants and CS experts.
However I engineer frameworks for building accounting systems. I can do this self-employed. Nobody asks me for credentials. People find the software and they come to me for services. I also provide database consulting.
However from time to time I get job offers. During tough times I have inquired about them only to find out that I am "not qualified."
So I am "not qualified" to do a job for which they will pay me less than what folks pay me otherwise, largely because I do not have a piece of paper saying that someone else says I passed some classes. So I don't care, get back to running my own business, and work on growing that.
Excessive credentialism is a problem here. Companies don't know how to recruit, and they expect HR to do the wrong things. Resume-screening by HR is the single biggest problem in employment in the US today.