Even if we look at just masters, Finland is only slightly ahead a 16% vs the US 12%. But using this sort or logic, then why not compare doctorate degrees, for which the US has 2% attainment vs Finland's 1%? To me it seems like drawing random line to fit the narrative when I don't see anything in the degree metrics that points to Finland being more educated. We could use different metrics, such as some sort of test, or test scores at the secondary level to say Finland has a better education or education system (we'd have to see the numbers to verify, but I wouldn't be surprised).
I have no interest in a one country vs. another country pissing match, just pointing out that (arbitrarily) selecting the bachelor degree as some kind of metric might be highly misleading, at least in the case of Finland.