If you enjoy art history, I have no problem whatsoever if you want to learn about it. But if you borrow $50k that you can't pay back to pay for your hobbies, that's irresponsible.
The problem is a university and/or loan provider who is only interested in your money (and doesn't fear their loans being forgiven) has an incentive to mislead kids into thinking that this is not irresponsible.
Not everyone is as well informed as you were at 18.
Not everyone is as well informed as you were at 18.