It depends. If you are thinking of becoming a university graduate to attain a degree or certificate for jobs, then going to university may not be worth it because there are fewer jobs, especially in fields outside health science. But if there are other reasons to be a university graduate not just for the sake of having a job then going to university to study is really worth it. The world has really changed; this is not the time when people go to school to get certificates to secure jobs. Even if there are no jobs, there are still good reasons why one needs to go to school. The university is a place for exploration, and it is a place where one can even get good life opportunities from the people you meet.
Yes, I agree with you. It really depends on the end goal of each individual.
If you want a definite career path and a definite salary, it's a good idea to go to college because job vacancies like that usually require you to have a degree in a certain field, for example a doctor, lawyer, and so on.
However, if your end goal is to build a business, do freelance work like trading and so on, I think college can still help you provide career provisions but maybe it's not mandatory for you.
The point is, college is just to open your mindset. By going to college, you can get information at least one step more than not going to college, besides that it also hones your hard skills and soft skills. So back to each individual, College does not guarantee a successful life, but by going to college you can be one step ahead towards success, even though the world today has many technological developments such as AI, but not all jobs can be done by AI. So in my opinion, a bachelor's degree is still very important.