With the statement below:

"In my personal opinion after reading the course materials, academic research, and based on recent evidence, I believe education still pays, but with important caveats about diminishing returns and government policy effects. This perspective is informed by the complex relationship between educational attainment, government intervention, and economic outcomes. Education typically enhances earning capacity, mitigates unemployment risk, and fosters economic growth. However, the benefits can vary depending on government policies, accessibility, and the quality of education. The involvement of federal and state governments is crucial in optimizing these advantages and tackling issues such as potential decreasing returns or worsening economic disparity. The key insight is that education pays when students can successfully access and complete quality programs, but government policies that artificially inflate demand may create more problems than they solve"

What are your thoughts and give some possible solutions to this issue (must have a peer reviewed and cited references to support possible solutions).