I understand your frustration, and it's always seemed a nonsense to me that the majority of courses outside of STEM, or even a lot of the theory-heavy courses within STEM, cost anything like 9k per seat to run.
I agree. I did a back-of-envelope calculation for a Cambridge maths degree a few years back, and even being *very* generous with my estimates of what things cost, I had a lot of trouble getting to more than about 3k a year per undergrad.
The biggest factor for me would be (if I wasn't safely 15 years out of uni) the lack of access to other students to discuss the course with and build a social life. I'm not 100% sure in that I would feel like it was worth going next year even if the course was free, and ultimately I'd probably be making the decision based more on my chances of getting a job or doing anything else worthwhile in the next year, rather than based on some value-for-money analysis on fees which you may well end up never repaying anyway.
Again (20-odd years out of uni), I entirely agree.