I'm not saying that this is a good or bad idea. I'm giving an idea that you should study the viability of before making a decision.
My proposals are:
1.) Scrap the passive skill system entirely.
2.) Build these learning institutional facilities and let them sell you courses for quanta.
Field > program with level of degrees > prerequisite courses and courses.
One of the purpose of the game is for you to mammonite and spend that money on