"Get a good degree in a useful discipline and you have a safety net that will make it much easier to get a decent job. "
But will it?
Even if you get a degree in a useful subject there's no guarantee it will be useful in ten years. And if it is, you could just wait ten years and get the degree then if you need it.
Boomers told everyone to get a degree, so now the midwits rush to college and the college charges them as much as they can get away with, which is usually more than the lifetime benefit of the degree. Those midwits then go on to demand that people they hire have degrees so the next generation have to go to college too.
A system which was once useful has basically become a ponzi scheme which serves no real purpose other than making colleges richer.
Colleges used to hoard knowledge so they could charge people to learn The Secrets. Now all that knowledge is widely available to anyone on the Internet, so the only benefit of paying all that money is to buy a piece of paper which says you're now Officially Blessed by the High Priests of Whatever Subject You Studied. It's an insane system which is going to die, with only a few people going in future for subjects which require a lot of hands-on work with expensive hardware.