Institution based learning is can be unbelievably more effective.

Institution based learning also creates a bunch of barriers primarily because "learning" is not the main purpose of a modern university.

Those "professional educators" are often researchers moonlighting as educators, experts on their field, but rarely in addition to education. Their metrics are also not how well is material "taught" but to achieve a standard distribution of grades which can result in some real perverse incentives.

Those "structured courses" have the same fundamental design flaw of primary education. They aren't designed primarily for learning, they're designed for factory work and obedience.

That's not touching on the more critical part of financial incentives and how financial strain, and excessive amounts of stress in general, is not conducive to a learning environment.

Source: self made electric engineer thanks to the library and the dump.