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An important thing to note is that in many areas colleges may not be the best way to learn a subject. I personally am ok learning from old blog posts and online documentation for most everything computer related and personally even slightly prefer it to college classes. However, as you mentioned I need a credential so sit through classes to get it and do near the minimum to get a good GPA and pass all the classes. There is simply no need to take challenging classes which may not teach exactly what I am interested in and take the risk of wasting upwards of 1,000 dollars on the class and getting my credential permanently stained with a bad grade if I misjudge the difficulty and fail. It is simply less risky, far less stressful, and typically easier for me to learn by not challenging myself at college wherever possible. Especially with education as cheap (many cases free) and accessible as it is online I find it hard to view anyone not slacking and attempting to learn much at college to be a fool.

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