Who says he has to have enough to retire on by age 25? He has (or had the opportunity for) a college degree in his field of choosing to make a living with the rest of his life. That's the contract he agreed to.
If a person makes 50K a year, which is not a horrible salary, in 40 years he'll have made $2 million. At $100,000, which is a good salary, it would take 35 years to make your $3.5M.
Don't you wish you had it so bad?
As for "free", when you don't have to pay a college tuition, room and board, which would cost anyone else over $100,000, that's FREE, at least to you. It's not free to the university, it's contributors, or the taxpayers. I don't know what your "vastly different" definition of 'free' could be.