Lady: do you drink beer?
Me: yes.
Lady: how many per day?
Me: 3.
Lady: how much do you pay per beer?
Me: $5 each including tip.
Lady: how long have you been drinking?
Me: about 20 years.
Lady: 3 beers a day equates to $450 per month or $5,400 per year. In 20 years, that's $108,000.
Me: sounds correct.
Lady: did you know that if you put that money into a savings account, that after interest, you would have had enough money to buy a plane?
Me: do you drink beer?
Lady: no.
Me: where's your fucking plane?
Phase out federal student loan guarantees and subsidies, forcing universities to price education competitively based on actual value and outcomes. This curbs tuition inflation—currently driven by easy credit—and slashes debt loads, freeing young people's earnings for tangible assets like homes or investments. Market alignment ensures sustainability: institutions succeed by delivering ROI, giving graduates real capitalist stakes without ongoing government distortion.