I agree that people have to take some responsibility. You can't take on a huge debt that you can not afford and then cry, "I shouldn't have to pay it back!!" At the same time institutions have to do the same. You shouldn't set people up for failure when it hurts us all. That's assuming the world is perfect, and most people are good, which isn't true. The video made me think of this article I came across several months ago. I found the comments more interesting than anything else.
I also kept the student loan discussions in mind while reading...
I am also not one who looks at other "systems" with rose colored glasses on. I want to see more jobs brought back. I have watched my salary increase be marked out for things like a recreation center for the wealthy seasonal home owners. I have watched several jobs be taken away. I am watching the disappearing act of invention and innovation. It's disheartening.