Nick M, most of what you say (post #5) is truthful or reliable. College courses of Algebra will have Introductory and Intermediate Algebras, which are remedial courses of NO college level credit. College Algebra, Elementary Functions, Pre-Calculus(College Algebra plus Trigonometry), and Trigonometry are all college level courses, NON-remedial.
In contrast to what you say, many students find any or all of the courses of Introductory, Intermediate, or College Algebras to be difficult. Yet, still, as you say, students should never try to over-step their level of skill and knowledge in a course which is too hard for them. The course called College Algebra usually contains topics beyond the Intermediate course, and so the new content is difficult for students studying these topics the first and sometimes second time. College Algebra presents zeros and graphs of polynomial functions, exponential & logarithmic functions and their graphs, and a strong but intuitive introduction to limits, and sequences & series; and some such courses if time permits, also present inductive proofs, some linear algebra, and a few pieces from counting principles, probability, and statistics. With all of these topics included in College Algebra, the intermediate level seems easy by comparison.