When states were funding their schools at 90% they made a conscious effort to hold down expenses. When they began to cut back funding they relinquished much of that control. As they began to raise tuition, more is expected. It’s a vicious cycle of the dog chasing its tail. If you’re paying more, you want more for your money.According to this link 'some' European countries having more millionaires per capita is just one, and it is the one you named. The US comes in 3rd behind Hong Kong which China is slowly destroying.
https://www.statista.com/statistics/262687/countries-with-the-highest-rate-of-millionaires/
I probably wouldn't have a big problem with free college education if every major college campus hadn't received multibillion dollar facelifts over the last couple decades. But if you want to live in dorms that are equivalent to 4-star hotels and go to class in buildings with all the latest technology then prepare to have a little debt when you graduate.
And when you say “when you choose...”, who made that choice? Was I given the option of regular old dorm rooms and classroom buildings circa 1978?