Yay! USA! Enthusiastic hurrahs for my home land. We allow for a regulated capitalism. Something the "Republican" wants to shift towards pure capitalism. We do not have free health care. That means taxes are much lower, and each person keeps more money. However, if you go into a emergency room they must save your life. We enforce rules to protect an employees safety, and we enforce minimum wages.
However, if I am gifted and spend 12 years of childhood schooling and 8 more adult level years of education, I can earn 4-8 times as much money as someone who did not finish 9 years of childhood schooling. It is easy to say people will go through the hell of 8 years of brutal testing and constant stress just because it "interests them." No way! I think the allure of a life free from finance lack, is the carrot hanging in front of the horse (the incentive) for such hard work.