There are too many sort-sighted patches out distracting us from the truth that our depression is our money. How about we see through the symptoms into the disease for once with a few intelligent alternatives to money/points/etc (all patches that provoke distrust in one another and needless hoarding or competition). People love to say moneyless economies would create incentive for irresponsibility but our reality has proven that to be the exact opposite.
Please don't "skip" college, I don't want to see anyone have to serve me my "ice cream" even 4 years from now--there's nothing wrong with automated solutions. More of the same never changes anything but then again, it seems, neither does saying so.