I'll give you this, YOU are not responsible for my student debt.

But some lazy people who happened to have money beforehand that found out a way to make money without lifting a finger are. Why is it that business owners get to be hapless victims of market forces yet all the responsibility is placed on me? Some irrelevant loser?

We can't "just clap our hands and trust the private sector" and then claim they have no responsibility whatsoever.