I would rather hope to fail than to slip by with 40%-60%. You'll waste 5 years of your life (because such slackers rarely get it done in 4) and come out not knowing much and forgetting that little bit too after a year or so. I can't really give a personal cautionary tale (I am a slacker, but of the courses I passed I tried to do well at least on the final and still remember a lot of details plus where to refresh memories) but I see it often enough in others. Some of them are fine with it, some of them regret it, some of them double down and find a new school / degree program. Take a close look at what you want from the university system -- little learning but socialization or just a simple piece of paper (they look a lot nicer in a frame) is entirely justifiable, just consider how you might judge your choices in hindsight once you're at the end (as well as have an idea of what you'll do at the end).