to survive, we only need to success greetings live the life. I think a masters degree is not something that is really important, and should be owned by everyone.
yes I agree with your opinion, a master's degree is only needed when we are chasing rank that high in a position in the company. I don't need a master's degree.
a degree is needed when we pursue a rank or just want to be respected...in fact, people are more important to your skills and qualities