Students should be allowed to sell Futures in their career earnings, to finance education and personal infrastructure. If they do well, they can buy back shares in their own futures. Otherwise, they remain answerable to their stockholders. This gets government out of the education business, which they have botched in many countries. I wrote a draft SF story about a grad student on the moon doing crummy work at the behest of her stockholders. I believe in stock markets, for very complicated reasons, yet: "trust, but verify."