Our education system is a process of mechanical training and standardized screening, and millions of candidates across the country rank to the nearest ten digits according to IQ and luck.
Being admitted to a university (undergraduate or junior college) means that your IQ may not even go to junior high school at first. Let's assume that you can't continue your study. It's another thing to quit school because there is no money at home, but you have a gift.
Relatively speaking, it is more likely to learn new skills and seize more opportunities in decades of life. Therefore, in the long run, under the same conditions of personality, age, face value and health (strength), having a college diploma is more competitive.