Kind of Funny

`Why do we retire at age 65+ (usually)? At 59 1/2 you can withdraw from an IRA account. However, maybe the subterfuge should change. ....

Why not allow individuals to retire once they are done with whatever school level they choose, (highschool, college, masters, PhD., even grade school if inclined enough.) and take out loans/debts based on thier future success rate?

i.e. I graduate with a PhD. from Harvard, I am allowed to retire and borrow 10 million dollars doing whatever I please until a certain year determined by my lender say, 39. Then I must start working and pay off those debts for the rest of my life, if I exceed expectations, the lendercould make a small profit......