to not infiltrate is to lose
(media.scored.co)
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from an independent / lolbertarian view we really need the government way out of schooling and jobs so not as many degrees are required for things that don't really require degrees. The regulations of school / business have led to degrees that have less value and which are sold at usury rates / interest that a person can't declare bankruptcy on... that all needs strong amounts of reform
Next, AI is going to dramatically alter work and higher ed, it already is as teachers aren't sure if student submissions are AI or not; jobs that previously required a degree can be at least partially done without a degree. So, whichever route you choose, factor that in
Regarding stocks, our corps also need an overhaul as they have frequently become "Godless" and chaotic, and are also massive recipients of corporate welfare (also through regulation of their would-be competitors out of existence).
Whether or not someone wants to make money from those destructive corporate situations, they might invest rather in productive assets like real estate for themselves that could possibly avoid some of the "moral uncertainty" of stocks.