I agree that it&#x27;s a broken system. But when systems are broken because of egregious market inefficiencies, as in the case for &quot;pay $150k for a certificate from a university&quot; case, I think you have an opportunity to make a large amount of money while improving the world. Things that can make large amounts of money can be funded by the markets, rather than requiring legislative fixes.<p>(I am not opposed to legislative fixes! I&#x27;m a statist liberal Democrat. I&#x27;m confining my response to the terms &#x27;sama set out.)