I happen to know many Kollel Families, They actually happen to be family members. However it is not place to to ask the real questions so one must guess what the real situation is. They would never admit the real situation
You can tell by their overall appearence , things like being emaciated. Going to their houses , seeing their clothes etc are hints what the real sitatuation is.
A few had admitted to me that “Programming” (Meaning government Programs) was one of things they did.
FYI It is averiah to rely soley on hashem’s miracles for help. One is not allowed to go in the middle of the BQE and ask Hashem to save you.
One cannot rely on a miracle for Parnassah, One cannot buy a lottery ticket and expect hashem to give you the winner so you learn all day. Relying on Hashem means send out job resumes, Go to Work and then Hashem will help provide you