This has been really clear for a long time now, but people still go along with it, even when the fees are tripled and graduates are ending up stacking shelves at supermarkets. There is no initiative, people go through further education because they don't know what else to do. They'll never admit it though. But I remember feeling that myself when everyone around me was applying for university, there was a feeling of 'if I do this course for the next three years I don't have to think about what to do with my life for a little bit longer'. I decided not to waste my time in the end and learned to play guitar and started singing, then busked my way through Europe - time well spent, and it was free.
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Part of the reason is because people neglect the idea of being their own boss. Opening their own business. All that money that goes into education could as well be used for funding one's own business.
You probably avoided one of the biggest scams in human history — paying for education...