College and extended adolescense

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That's true

I was given the option to drop out of uni but was too afraid to go back home to a misunderstanding family who didn't and still don't understand the difficulties i face in day-to-day life. But was also not in a functional capacity to go to lectures or workshops so I ended up having to fail 2 courses because that's all the student loans company would cover. I would have to pay the 1st year of another course or same course from my own pocket which I don't have so was sent home regardless.

I wasn't taught about budgeting or managing my bank account beforehand or even during my studies and wasn't told about the effects of gambling or impulse buying because I was young back then and I had all this money [as overdraft] I never had before (obviously looking back it wasn't my money to start with) and started splashing out on alcohol, online gambling, and games.

Basic finance and stuff like that should have been taught in secondary education, not college.

A class on basic finances should be a graduation requirement for high school. There are too many people out there being financially irresponsible because they weren't taught how to manage their money. It should be the parents' responsibility to teach money management to their kids, but it should also be reinforced at school too.

That's part of it, but the other part is willpower. A lot of people just aren't disciplined enough to budget, plan, save, etc, even when they've been taught about the long term benefits of such.

Or these people never had to face the consequences of their reckless spending because they were always being bailed out by family members.

Agree. Even in my case though, who worked really hard and got top grades throughout, I feel like there should have been a greater emphasis on practical skills enabling me to broaden my employment options. For example, during the course of my PhD it would have been ideal to make pedagogic skills for lower level teaching (high school etc.) compulsory as I went straight from PhD to being a full time parent and one of my children is high needs and it has therefore been hard for me to retrospectively add that part on. It is a further year intensive training at this point. I don't mean that to sound like poor me, I got a scholarship and look now I am at home with kids but I reckon education needs to be more geared to seeing people on a journey that might change and there to be greater emphasis on employability skills along the way that ensure that people can actually make the best use of their education. I myself should have had the foresight to think in those ways, but I had a lot of other stuff going on and at that point couldn't see further than my viva.

I studied veterinary medicine but chose to leave.
I heard that working in the medical field is really stressful anyway.

I now work fine in a completely unrelated job.
There are many other unrelated jobs that don't require a university degree.
It's not the end of the world.
It's just overrated.