From my own experience, I've often wondered what truly drives success in higher education. The idea that university acts largely as a self-accountability system really resonates. While textbooks and online resources make self-learning possible, the key challenge is staying disciplined enough to maintain a consistent study routine without external pressures. In university, the structure — including scheduled classes, assignments, and exams — creates a framework that forces students to engage regularly with the material. This accountability is critical because, without it, many people struggle to motivate themselves to study rigorously. The grading system gives tangible milestones, helping students know how well they understand the content and pushing them to improve. Personally, I attempted some self-study courses outside of formal education, and I found that without deadlines or exams, it was easy to procrastinate or lose focus. On the other hand, during my university years, the scheduled coursework compelled me to stay on track. This structure not only enhanced my knowledge but also prepared me for future career demands. Moreover, the income jump after earning a bachelor's or associate degree, as pointed out, partly reflects the value employers place on the demonstrated commitment and discipline required to complete these programs. It signals reliability and perseverance, qualities highly sought after in the job market. In summary, while self-teaching is a valuable skill, university offers more than just knowledge; it builds a disciplined mindset through structured accountability. If you can challenge yourself to replicate that level of discipline on your own, self-study might be viable. But for many, the university framework remains essential for effective learning and professional advancement.