It was likely much cheaper when you did whatever you did. Or are you as young and as unempathetic as you so often come across as being. And many are not able to get jobs as you say you did. Also when they went into debt most all would not have expected to be bailed out as you are so certain they were.
It was Plato who said, “He, O men, is the wisest, who like Socrates, knows that his wisdom is in truth worth nothing”