You are normally blocked, but...
Education is there to facilitate us to be able to think, discus and pass on information, without it we would be little better than the animals.
Your alternative system is what? We each of us, at least the more able, gradually create our own wealth. Our wealth allows us to gradually build up things around us like a home. The alternative to borrowing money for a mortgage, would be to spend most of our lives saving up whilst paying rent to enable us to buy a home outright. Most of us would find saving whilst renting near impossible, so we borrow the money to buy in the form of a mortgage.
Would things be better if we retired immediately after leaving school, then spent the entire rest of our lives working until we drop? State pension age has had to be increased, simply because people live longer than when the state pensions began. The other alternative would be to pay more in taxes to fund earlier retirement. Your taxation funds education, infrastructure, health, the armed services and many other things. Where would you be without those things?
It's not perfect, but it beats living in a cave, hunting for your breakfast, hoping you don't become ill and starve because you have twisted your ankle.
It's called society, where we all (well most do) contribute for the benefit of everyone - it's generally a pretty good bargain compared to the alternative. Some win, some loose.