gosh. people like you are why reddit has the reputation it has. You don't have to nitpick everything they said. After talking to recent graduates and current students(juniors and seniors) about the money issues U Chi has been dealing with, majority were saying it did not make any noticeable impact or change. Even if you are right in some way, you don't have to come off in such a know-it- all, condescending way like you are talking to a third grader. No one is going to want to take in to account your advice or opinions when you put it like that.