During the current COVID-19 crisis, many universities are substituting in person courses with online instruction completely in fall 2020. Students are not pleased. University administrators have fear and consternation about being sued if a student gets sick and dies from COVID-19.

Nevertheless, there is the marketing concept of Value Proposition: [Product + experience + brand when they overlap is the "value proposition" for the consumer.] Students at a few major universities in the United States have filed lawsuits for return of fees and tuition when their universities switched mid-semester to fully online instruction.

The question is should students be allowed to risk their own health for in person instruction they desire in fall 2020. Should they take a "Gap Year" if they don't want online instruction? Why are universities putting low-risk populations in quarantine rather than asking high-risk older populations to quarantine by teaching online? Can smaller private colleges and universities survive if 1/3 of students fail to enroll in fall 2020?

Is online learning an adequate substitute for in person instruction?

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