Are you trying to derail this thread? Good luck getting though med school without memorizing things. It's fine to say understand things, but when you're on an exam and trying to remember if it's clozapine or quetiapine that causes this specific side effect or has higher action at a particular receptor...it's memorization. Also, I don't know where you get 55-60k average for residency....that's high unless you're in an area with a cost of living that will offset it grossly. Either way, it doesn't compete with your 300k loans accruing almost 20k interest a year. And anyways, it's not like the OP was talking about physician compensation in her video anyways, it was about lifestyle and blind ambition...being young and thinking nothing else outside of being a physician mattered, dealing with the high competition of medical school, being a naive premed who thinks they can do anything to be a physician, and keeping up with the day to day fire hydrant that blasts in your face.
I mean, I don't want to jump all over you. You're right, life is what you make of it, 3rd and 4th year are better than the first two for the majority of students (although, the amount of free time you have is less...), and physicians often have less to complain about compared to people in other various walks of life even though they might be more vocal about it...but you kind of went off kilter to the OP and struck a cord with me here.