DY >> Nowadays, it is very rare for someone to be able to learn without taking a stipend of some sort
This is known as “true Scotsman fallacy” (true Scotsman does X. What about someone who does not do X? He is not a true Scotsman). How about Israelis in Hesder yeshivot? People who come to learn before and after work. Everyone on this board who disagree with you?
there are lots of other questions, here are some:
how do you know you are “not able to work and learn”. Did you try?
do you make any extra efforts to avoid pitfalls mentioned by SA? Robbery? Hillul Hashem? Dishonoring Torah? (Borrowing R Avigdor Miller’s analogy: if you go into fire to save a child, you will still get burns).
If you have to receive tzedokah, you have to be careful how you spend it. Do you buy extras that are not needed for your learning? Did you buy a $100 esrog? if you have a computer and an hour to spend on this board, maybe you could find an hour to work and reduce amount of tzedoka that you receive?
What is the source of your “stipend”? consider large amounts of government subsidies that non-working Jews take directly or indirectly. This is different from having a Jewish community supporting Torah. Is there a source for that?