What my viewpoints here are ultimately based on is the simple fact if a school charges X for a degree, but the degree is worth significantly less than X, then it's not worth getting. But having someone else pay for that doesn't change the fact that it's not worth the price (i.e. it's not a collective action problem).
To respond to GGP:
I see higher education for its own sake - not for a job - simply as the mark of an advanced civilization.
I agree - I took plenty of classes that were not related to my major nor career. But you can't put the cart before the horse - you need the job part first, and then the enlightenment aspect once that's covered. There's also the fact that not everyone wants all the extra stuff - they just want the job, and it feels like a waste to charge someone thousands of dollars for classes that they don't actually want. Going to a vocational school that teaches you nothing but the stuff you actually need should be a choice that is up to the individual.
What I'm confused about is that simply taking out a loan to buy a house is already similar to rent-to-own - whatever you pay towards the principal builds equity, while the portion of your monthly payment that goes towards interest is effectively your "rent".
I'm also very unsure as to why the TFA makes owning sound so bad. Its argument seems to be centered entirely around "but your value might go down" - renting doesn't fix that either, it just offloads the problem onto someone else (or onto everyone, in the case of publicly-owned housing). Not saying that's a reason to wholly discount public housing, but it just doesn't make sense as an argument against ownership.
Simplicity does not precede complexity, but follows it.