A 4 year university degree for a commonwealth supported student is under 40k. Medicine/dentistry might approach 60k.
Two words ENTRY BARRIER
That is not a given. Even great airlines see their luck run out unexpectedly. And the money in the airline business isn’t what it once was.
You are a barrel of laughs. NOTHING is a given, only death and taxes. I may not wake up tomorrow, or an asteroid could destroy the earth but on the balance of probabilities you would have a reasonable chance of a thirty year career, starting at 25, moving companies or countries, for an investment of $130k
Snickers to oneself, have you read the award lately? Have a look at that then tell me how many years it will take you reach 65k per year?
Okay call it three years to pay off, heck call it four. Now put that in context of a thirty five year career.