I'm not blaming anyone for studying anything. I'm simply stating that the bill for that education will come due and it might be a good idea to have acquired a skill to help pay it if the projected return on investment is non-existent.

Ever have a conversation with people in your local service industry? I live in a major US city and this is a common story:

liked art
got into art institute of ___
now have 200k of student debt
didn't finish, now work at this bar and another to pay off the debt
still dabbles in art but can't get anything off the ground

Do you think they'd have advised a younger version of themselves to do something else?

A nice thing about Physics: quantitative reasoning is a highly valued skill in many paying jobs and something you have to acquire along the way to learning things like QED. The end result of knowing, say, if a neutrino has mass isnt terribly useful.