Wolfish – I’m not entirely sure what you mean by irresponsible people being ‘rewarded’ by the current system, unless you mean that they can buy things, go on vacations, etc, that Steve can’t.
If so, VERY good point. The tuition superstructure that we’ve created for ourselves is riddled with unintended consequences like this one. It’s broken and in desperate need of fixing, and is rapidly becoming unsustainable in its current state.