If you want to give the best case tech school scenario, then let me give the best case AAS scenario which is WAY BETTER:
Working AAS Paramedic Plan! It is easy to do!
1. Get EMT-B (possibly take Bio I at the same time)
2. Get full time EMT job and work it for 1 year to get the required 1 year experience to go to P school. While working full time, go to school part time taking Bio I, A&P I, A&P II, IV, and EKG (that's 17 credits total over 3 semesters, not hard!) all while receiving financial assistance. If you are motivated, you could do all your general ed requirements too, eliminating step 4.
3. Enroll in one of several AAS EMT-P programs that are scheduled to work around your full time modified kelly shift! You work full time EMT-B while earning EMT-P and putting money into retirement if your job allows and you know what to do.
4. Work full time as an EMT-P while over the next 1-2 semesters, you take the remaining 9-15 credits required for the AAS degree.
Several of my friends have gone this route. It is entirely doable.
Your whole argument is couched on the idea that the tech school guy is going to have your university account dropout level of finance knowledge to put him ahead of the degreed medic who doesn't know the finance tricks. This is a strawman's argument. Maybe our AAS paramedic will take finance classes as electives. I know the tech school dude won't take any electives. There are none.
The Working-AAS option is way cheaper than your tech school option, allows fulltime employment the entire time, and is just as fast except that you probably made more money and now you have a better education and an AAS to advance in the future! The tech school guy will not have the future option to quickly get an associates degree. His tech school credits won't count. He'll need 2 years of school.
That pretty much ends your argument for tech school being the most lucrative option. It might be the easy route, or the only route for those who cannot cut the higher standard, but it is NOT the most lucrative route out there.
He's being "pragmatic" by which I mean "selfish." It is NOT "enlightened self interest," just self interest. You could call it unprofessional...
Young, she kinda nailed you down there. That is exactly what your posts have read like.