Lack of financial stability? In the US many Orthodox Jews have been living off gemachs since the financial crisis and those who have decent jobs have to send their kids to public schools because they are too poor to pay full tuition but too rich for scholarships.
Israeli attitude? What about the American attitude about victims and victimizers? Anyway, I was told that NYers have an attitude.
The rest are even more ridiculous. They are the sin of the spies. Of course, if people are already in mid-life and cannot start a business it is hard to start over. They missed the train so they have to wait for the next one (when they retire). If someone must take care of elderly parents who cannot make aliya themselves they also have a heter. There may be other individuals who have heterim. However, the default position is that a Jew must live in EY.