Great article. Thank you! And here are my answers.

About the first question:
I think there should be a law against this types of advertisements, like cigarettes and alcohol.
The are highly addictive, lower you're live quality and can be Lethal. https://www.huffingtonpost.com/c-cryn-johannsen/student-loan-debt-suicides_b_1638972.html

Second:
The politicians are accepting the education system, and the Big Banks are funding the politicians, so it is just returning the favor.

Third and fourth:
Yes, i am on the way to retire wealthy. (Because of the Crypto, and some financial education i did my self.)
No my parents wont retire wealthy.