2 year community college credits must transfer / you get an 2 year degree and then can start an 4 year college at year 3 with no BS fees / added bridge classes that drive up costs.
Many community colleges have STEM programs designed to transfer students into a 4 year university program. They may have similar focused programs for other areas of study, but that was my focus. I went to a community college for the first two years, had small classes taught by a professor (not a TA), and transferred to a top 5 engineering school for the last two years. The quality of the education at the community college was at least as good as that at the university for the first two years, based my observations. So this point of yours is already enacted, even if not enough people think of it as a good option.