This seems to be a very unpopular thought within CS culture and I find that really unfortunate. It feels like people are rushing to reduce their education, their lives, to optimized market interactions and that's a terrible lens for a human life. There may be an argument that it's a method of successfully navigating our society, thus enriching one's personal or familial existence, but it seems to me that would just lead to a poor societal structure with few common bonds among the people within it.

It's a side effect of no safety net, knowing that the slightest mishap could put you into crippling debt. To stand still but for a moment is to be trampled by the masses.

By the time you are in a financially stable situation, old habits are ingrained.