No argument there, but anyone who isn't careful will have all kinds of opportunties to screw it up.
Credit opportunities are far more widely available now than they were when I graduated about 10 years ago.
But think about the benefits, simply from a credit standpoint. Acceptance is essentially guaranteed by law, and having a term of potentially 10+ years is great for average age of accounts. If the young person has any difficulty, deferments and the like are available to give the borrower a chance to catch up without taking a credit rating hit. And that's just for starters.