I don’t agree that a person should wait until they can afford to get married, but I also don’t agree that people should go around collecting for their wedding. I have been asked to give money that I don’t really have to people who want to pay for a wedding/dira that I myself will probably never be able to give to my own kids.
I have NO objections to giving tzedaka to whomever asks, but I am just stating my opinion of the concept. When I got married we found anonymous donations in envelopes in our mailbox several times. I am very indebted to those who did that. If someone has it to give, then great. I don’t think I am capable of asking.