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very little actual learning is taking place

I’d disagree with this one. I can’t speak for all fields but high school and university mathematics can’t be compared. Students will learn a lot if they wish to.

this territory is moderated

Yes, but do you really need to go to university to learn university maths?

I'd argue that if you've maintained your curious nature, and if you're driven, you can learn anything, and won't need to go to college for it.

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if you've maintained your curious nature, and if you're driven, you can learn anything

Definitely!

But the statement very little actual learning is taking place is imho wrong.

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College is too expensive

Most students don’t study math in college

University math is too theoretical

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Most students don’t study math in college

As I wrote, I can’t speak for all study programs.

University math is too theoretical

It depends.

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Most colleges are overpriced

No advanced math required

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