but the phrasing of "who pays for the increased schooling times?" is a good one. i think "debt" can be a decent way to conceptualize the cost and repayment of training someone. feels evil to say, but viewing people as firms you can invest in and expect returns upon. you know not all loans will be repayed, but hopefully they'll average to a profit. (risk management etc.)
student loans are. a decent example. the government/private enterprise gives money to pay for education, then this is repayed, providing a financial incentive for paying for someone else's longer schooling timelines. firms investing in training can be viewed as an extension of student loans. but then ah, there are countless stories of how debtor/creditor relationships can be exploited. indentured servitude etc. there are a lot of complications coming to mind. also "altruistic" people who give without expectation of repayment. or the divide between like, communal vs individualistic cultures. (individualism, i argue, encourages the formalization of debt, as opposed to a more communal culture where the expectation of repayment is informal.) you could do math on how many people pay vs how many people benefit, who is the biggest stakeholder, etc.
but i am on my lunch break and need to get back to my work. good article tho. good topic to bring up.