ZD,
You are wrong. Here are many opportunities in all those areas which do not require the investments you are alleging and one can make a respectable parnassa at.
You are also choosing to ignore the significant cost of college and graduate schooling. During which time you are often not making much money.
Your estimates for sheitlach is way off reality.
And how many people make parnassa selling on line. And that does not require a degree.
I am not against getting a degree, I actually make my parnassa in an industry that requires having a degree. However there are ample opportunities to make very respectable parnassa without a degree.