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> Disruption seems to me to almost always being a net negative for everyone except the upstarts who displaced the incumbents by literally breaking their market - particularly, the customers end up holding the short end of the stick.

There's plenty of "customers" (students) who wind up holding the short end of the current stick, too. People who, say, wind up $50,000 in debt, and still didn't manage to get a degree. Or people who wind up $50,000 in debt and graduate, but with a degree that isn't worth that. Or even people who get a worthwhile degree, but still wind up $50,000 in debt.

> That is how technology works, which is why I don't like the whole "you can't fix a social problem with technology" line. You absolutely can. It's usually the only way you can fix it.

Yes and no. You can maybe stop your gullible grandmother from getting so many scam phone calls with SHAKEN/STIR. You can't stop her next-door neighbor from pulling her into a multi-level marketing deal, though. SHAKEN/STIR may stop (most) scam phone calls, but it doesn't fix the gullibility at all.



That is very country specific, as most countries actually do have easier paths into higher level education than US, that don't require a lifetime of savings since the child is born.

So outside US, and a few other countries with similar approach to high level education, there isn't nothing to disrupt.




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