You're encouraging participation in that sector, but not growth. If no money can be made (and how could it, if every private institution is competing for the same $5 bill), that makes it a poor investment. Exclusivity is the product (that's why we even have a word for "Ivy League"); I don't know that they're gonna play along. I say that while thinking "This is a great idea," just, ya know, there's probably a reason it hasn't happened yet.