this is what I don't get though. Why mortgage your future earnings to take a MOOC from a random startup employee when you can get the same from a world class professor for free?
The idea before was at least partly that you get a great deal more structure, feedback and accountability than you do in any university. Now that all seems to have been jettisoned but a learning community with a schedule and a curriculum is worth something. Udemy courses plus a knowledgeable lecturer and a lot of TAs who know the material less well but can solve most problems and a schedule of full time study/building for nine months would absolutely be worth Lambda’s upfront or ISA cost for a lot of people. I paid £10,000 for a Master’s that was basically a textbook subscription service with access to past exam papers and two graded essays per module.
Because most people can’t. Self-directed learning is brutally hard and most people can’t do it even with a detailed road map. Without even that the competition rate will drop even further. To a first approximation the only people who complete MOOCs are those who already have degrees. The kind of people who can compete freecodecamp by themselves are very close to the ones who can work through a Math textbook by themselves, doing all the exercises.
If you can't do that then I'd argue you're not cut out to be a developer. As someone doing hiring I would never hire someone who had difficulty in doing any of the things you mentioned are difficult. You've basically listed the things I value in a hire.