Interesting perspective and coming from that system I would agree about the inefficiency in the current process for those who actually get value from education. Most also fall victim to the debt burden created from such effort which is sad as it leads to a spiral downward in their finances.
What I wonder about the decentralized approach is how to determine the relevant subjects for education as there will always be basics which the current system can handle (and will require anyway). How will the line be drawn between the systems and how will the matching of demand and supply work to ensure that each sector be represented and not gamed towards those of higher value?
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This is going to be the challenge for some areas but when it comes to educating for roles, they likely will game toward higher value, much like a company would train an employee. It is up the individual to workout whether they are up for that kind of education though.
I also think that there is possibility to handle the general skills in a much better way and likely supplement it with VR and AR experiences to take out some of the disparity of teacher quality.