Phil, don’t worry. You need not contribute one miserly penny towards even a single Kollel. You keep stashing your “hard earned money” into your savings account and one day you’ll be able to afford a golden casket.
In the absence of your contributions, I am pleased to report that nevertheless over the past 75 years of the postwar period, despite great predictions of the Kollel systems impending demise that’s been predicted by naysayers such as yourself each and every year for over the last 50 years, the Kollel system is going as strong as ever. And has continued so through both good economic times and bad economic times.