I agree that students aren't known for being great at managing money, but I don't think it's fair to dump all the blame for this in the lap of students.
I also think there is a place to have a conversation about the affordability of university owned accommodation, for example.
There's also a discussion to be had about whether it's fair to means test student loans based on household income, on the assumption that parents can and will support their adult children. This isn't always the case, and it can put some students in a very vulnerable position.
I agree that there are options, and taking a gap year and saving up can work very well for some people, but this does rely on a few things e.g. availability of jobs in the area where the student lives (not a given), ability of the student's family to support them at home, allowing them to save a good proportion of their wage, applying to a course that allows gap years (some maths courses aren't keen on this) and so on.
I disagree totally that this is avoidable for all/most students, and affordability often puts students from low income backgrounds off certain unis (e.g. in London)- I don't think that's ok.
Also, planning to support yourself via a part time job or working in the holidays can be a totally viable option- it doesn't always have to interfere with your studies and can equally look good on a CV.