In order:
It's going to be difficult carving out your own path when you're not guaranteed insurance, pension, etc. But you turned it into a subjective thing anyway, which is a step from practically equating it to a fact, at least seemingly. $1 trillion+ student loan debt nationwide sinks the argument that debt is not crippling. You should look up the average family income of students in top universities. Of course it's not directly restricted to the wealthy, but being wealthy sure as feck helps you get into better high schools, hire tutors, having better home life, not having to work, and put more focus on academics and extracurriculars to get into those prestigious universities. You think an Ivy League school or MIT is going to accept someone just because of good grades? You're supposed to have more to the package than just that. Poor students typically don't have those privileges to do such things.
Doctors do not start with $200k salaries. As CR pointed out, there are residencies first. And physicians start out with considerably less than $200k. And FFS, $100k in student loan debt IS absurd. And being $100k in debt is the antithesis of freedom. And who gives a feck if it can be paid back after 10-20 years? The point is that it shouldn't be that much in the first place and there are examples from developed nations that prove that point.
Your explanation for paying off debt is not based in reality. That $8k is easily eaten up by expenses that would otherwise be covered by taxes elsewhere. Loans appreciate too, btw. Groceries are not necessarily cheaper either, unless you buy shit food all the time, which is way more prevalent here. You're also making MANY assumptions about one's life after college. You don't count for the fact that no job is safe and can get fired for no reason with no notice. They don't play that shit in Europe. And even with "in demand" degrees in tech, it's not like jobs just grow on trees and you can hop on over to the next good paying job if you're let go. Also tech jobs are not always lucrative but that's a different subject. You don't count for the fact that health problems are major setbacks. There's so many factors at play here, the fact that you don't even consider it just shows the privilege you're brought up with. You have NO idea how difficult it is to pay off $37k on a $50k salary. What do expect people to do, live under the poverty line? Wow, such freedom!