Let's be real, upward mobility has been virtually shut down by the usurous student loan industry.
It has been designed to do just that too. The employers today don't want ambition. They want complete subservience.
Remember, that communism is only ever seriously disgussed where people have been living in deadly slave-like conditions.
As with the rubber plantations of Vietnam.
As with the hacienda system in Latin America.
As with people being wantonly exposed to plague by evil managers who make wagers on who dies first.
1) The student loan industry, and I can appreciate you also see it that way, because that is what it is, is a system developed by mostly Democrats that predictably resulted in disastrous consequences for students/parents and a HUGE win for pockets of the college system in America. Liberalism at it's core is a policy system based on idealism. This system was developed based on an IDEA that "everyone should go to college". The end result was skyrocketing tuition and student housing. Nearly overnight, colleges dramatically increased their housing units to take advantage of the government paying for not only tuition - but housing also. And the profits off of these quad units is astronomical.
2) "Employers don't want ambition" - God that is just stupid. I don't know how else to put it. I would guess you are referring to what they want from the lowest rung of employment... such as a burger flipper. You would be right, they don't need ambition from burger flippers. They just need them to flip the burgers when the beeping tells them to. But in ALL other types of jobs of course they want ambition, but not without a serious work ethic to go along with it.
3) Everything else you say... not sure where you are going with it, or the point.