now to the original questionNow that we have that cleared up it seems to me that culinary school might be a fine thing for you IF you want to pay for the education, which brings us back to your original question. Cooking is a labor of love in exactly the same way as being a teacher. (Actually, I was a teacher before I got into cooking - Junior high, all boys, computer science... yea, to me a kitchen is easy compared to pubescent boys.) With that in mind think of it the same way: teachers get paid in the same range as chefs and manage to pay off their loans. You will be looking at about $150 a month in loan payments. Is that worth it? You will have the potential for making more money when you start in kitchens after school. It sort of fast tracks your career. You want a nice job, doing what you love, that you can raise a family on etc... sure, go to school and learn all the French technique you can. Do not spend your time focusing on foams and other El Bulli techniques, you can learn that later. Focus on the day to day skills that make it so you can train cooks later when you are the chef. Chef means chief, which means you want to be learning to be a leader... that is what is most important.
Also, learn to be very proficient with computers, spread sheets and kitchen software that can help you schedule, control costs and manage inventory. That is the stuff you want to learn.
Right.... I do tend to ramble. School is expensive, but with loans and such you can afford it on a chef's salary. Visit some schools and ask VERY pointed questions about what they are going to teach you. But at the core of your question is the issue of affordability. Chef's can afford to pay their loans.
As a side note, and because I ramble, I do wonder how many people who graduate from culinary school actually last in kitchens. In the last year I have had three culinary school grads come on board and leave within three months. On the other hand, my main line cook, shows up every day, cooks EXACTLY what I taught him to cook and did not finish high school. I have a BA in American History and Music... go figure.