This is really not "an agency problem," Ceasar, it's a societal family problem. Something has gone seriously wrong in a society that produces a massive number of incompetent young people who not only lack basic academic skills, but basic life skills as well; they don't even know how to take care of themselves, God forbid a baby! When we removed elevating the Judeo-Christian value system as a living model in public schools and society, we were left with nothing to replace it. And nothing attempted so far has worked. I really hate being so pessimistic, but to be anything else would require that I stick my head in the sand and pretend none of this exists. We have serious mega-problems in society that if we don't do something, we're history, like the Roman Empire. We can't survive this way. The problem is staggering. There are more young people like that, than good ones doing the right things.