Agreed. However, this is an issue of access. I don't know many people who qualify for one, even if they're dirt poor. I know it's not nearly as many I think there should be. I didn't, and my parents made just under 30k combined at the time I went to college. I have 2 siblings as well.
True, and it's a good thing. We can forget about the interest for a moment though. Most kids now graduate with over 6 figure debt. That's principal mind you. At that point, loans could be completely subsidized and it still wouldn't matter tbh.