This is simply an example of an ecomonic/political system creating problems (in this case lack of capital needed to start a career), then creating "solutions" to those problems (debt, commodification of people as investments) that reinforce the system and enrich its key stakeholders.
I guess there is more "freedom"? but that seems to come at the cost of stability and more winner take all scenarios
like a lot of this stuff isn't new, but the degree to which is seems prevalent reads dystopic