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that's nonsense. higher education has a LOT of administrative overhead. the overwhelming vast majority of teachers/professors/etc expect to make a decent wage. tenure has some impact on that as well, but they sure as hell arent philanthropists - the overall academic experience would be drastically different if educational professionals were not adequately compensated for their work. there are many other factors at play as well but paying the teachers is a big one.
bottom line - education is expensive & will always remain so. accreditation from cheaper schools is all well and good but for many professions, where you graduated from is just as important as the act of obtaining a degree at all.
in regards to "jobs paying more" - a basic job is going to pay whatever is the lowest it can get away with. if it's too low, no one will accept that job offering & the position will either remain unfilled or the business will offer a higher remuneration. if you lack marketable skills, you are perfectly able to apply for anything you'd like but the chance of you actually gaining that job is laughably low; however, to gain skills one must accrue them - by either working up the ladder, gaining skill via experience, or investment into higher education (which, should be noted doesnt really provide skills, so much as a skillset or framework that the skills can later be integrated into).
PPO has to do with health insurance. not sure what you're referring to