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Having in mind the education as an important part of the human capital concept and as a product at the same time, this paper breaks down this concept into three parts: the immediate consumption, the future productive consumption which is somehow connected with the previous immediate consumption and the systemic barriers to the full development and employment of the acquired skills and knowledge. The special attention is paid to the last mentioned component of the human capital. Using the game theory, it is demonstrated that the loss of the human capital efficiency happens rather because of the system setting than the individual “failure” or unwillingness. On the ground of the model game Titanic some actual phenomena such as a deepening wealth inequality, a bigger social and an economical segregation and a limited vertical mobility, resulting in worse and worse possibilities for the improvement of the personal social status, are explained. This paper describes the game Titanic and demonstrates that, following the development of the human capital (and searching the social well – off at the same time) it is necessary to push forward the cooperative strategy within this game. They are also identified the subjects that are not interested in playing this strategy and pose a threat to a better using of the human resources.