The issue isn't that the barista and waitress paid the money, the issue is that they did it wrong. I advise students on a regular basis at the very beginning of their college careers (right before they go to be exact). I tell every single one the following:
You will hear people tell you that there are good and bad degrees. This isn't inherently true. Some look good on paper, some don't. Some specialize you, some don't. What is important are the connections you make while you're in school, how much you spend on it, and what you want. If you don't spend much money, then sure, get the art history degree - you'll be no worse off financially, you'll have fun and learn some useful skills, and you really won't limit your job prospects at all. BUT, if you're looking at 200K in debt, maybe don't. If you want to grow up to design cars but you're bad at art and don't own/can't afford a computer, don't go to a four year, go technical - be a mechanic and get your hands dirty. Earn some cash and go into design later, once you understand what people really like in cars. If you like computers, but don't really want to learn about the software - be a repairperson - 18 months and you're out, or work for a big-box and take their little training course. If you want to get an English degree and be a writer, great - but be prepared to kiss every professor's ass to make connections, and brace yourself for 20-30 years of bitterness and disappointment.
Again, the issue isn't that kids are going to college in record numbers, or that there are jobs you can do with and without a degree. It's that we have a college-going society who is still early enough in the cycle to remember the days when few people went to college, and a bachelors actually brought you accolades. It's that we have a values structure of "college will get you there" in a "debt will crush you" society. If students had a more realistic assessment of what they can/can't do with a college degree, I think we would be a lot better off. Also, if students had a more realistic view of what they actually have to do in college to apply the art history degree in the future, I believe less would go.
Why are there so many psychology degrees working as waitresses? Because you can coast through that degree, it's interesting and people don't look down on it. Why are there so many baristas with English degrees? Because it's fun, it's easy to coast, and you learn some good skills. Why are there so few psychologists and (good) authors? Because few students take the time to make connections and apply themselves in college to map out their futures.
Honestly, the fault is about 75/25 split between the individual and the school. Schools sell students programs, the government sells students schools, and someone makes money. BUT, students really should be personally responsible for their own futures. A small amount of planning can turn that bullshit English Literature degree into a comfortable, upper-middle class job. (I can attest to that)