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The legal history of physical property ownership has been one where, over time, the bundle of rights sold with the property has been split into finer and finer bundles. DRM, DMCA, etc. are just a continuation of this trend. When Sony sells you a PS3, they have sold you a bundle of rights that includes some uses of that property, but excludes others. Sony is under no legal obligation to sell a complete set of rights when they hand over the PS3 in exchange for the customer's cash. If you don't like the exclusions in the bundle of rights Sony has sold you with the PS3, don't buy a PS3.
This unbundling of property rights is actually a good idea. If you were to force Sony to sell a complete set of rights as you seem to understand ownership, Sony would have to charge a higher price for the PS3. Since most people do not care to mod their PS3, removing that right from the bundle that is conveyed during a sale of a PS3 reduces the cost that most customers have to pay for the actual rights that they do care about.
No, you wouldn't have a job. These skills have some of the highest unemployment rates at present. It is those of us w/ MS degrees and years of experience whose mailboxes are full of "Are you available, we need a software architect" emails.
The trick to a modern college degree is to get a 2 year degree w/ a technical skill like, say, medical lab technician, and use that to pay for the 4 year degree. Where I live, more and more of the high schools are offering the opportunity to complete a 2 year associates degree along with your hs diploma. That cuts the cost of a 4 year degree in half.
The bottom line is that low risk individuals must be forced to join and subsidize the higher risk individuals. The low risk is usually associated with younger individuals so we have to have a system where younger, healthier individuals end up subsidizing older individuals. This is OK since the young will eventually grow old and need the subsidy in their turn.
HCA also has provisions for subsidizing the poor. This is because the poor are most often the users of the highest cost services since they tend to buy health care at the emergency room rather than through cheaper preventative maintenance services available from general practitioners. It is cheaper to subsidize their purchase of insurance rather than make all the rest of us pay more for our ER visits to cover their expensive ER visits that could have been better handled earlier elsewhere.