The answer is "it depends". There are certain career paths for which a degree is a necessity. For example, if you want to be a doctor, lawyer, engineer, etc. In most cases that would be very difficult or impossible to do without a degree. On the other hand, just getting a general Liberal Arts degree or something along those lines is practically worthless.
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Yeah, I agree, fields matter too, I mentioned medicine, law, politics, these are fields that require formal education and a college degree to prove an individual is indeed fit to handle the tasks related to these fields. I honestly wouldn't advice anyone to get for liberal and arts course except they choose to become academics.
And even in that case those degrees are pretty worthless for anything short of a PhD.