Avram > You seem to bring up full-time learners quite frequently, no matter the context of the thread. What’s with that?
In this case, I just covered multiple cases where solution might be different – people who earn more, people who earn less, and people who depend on others.
As one illustration that halakha is different where you are independent or not – I quoted R Salanter before that he lowered his kashrus standards when he was on a trip sponsored to improve his health. And there are other examples – vacations, jewelry, tuition, where things are different. Some schools my kids went to are asking (I think appropriately) what camps/vacations kids attend, presumably before deciding on tuition breaks.
Where you are right – that these issues come up often and seems like you are surprised how often. Possibly, people get used to a lifestyle and do not understand the halakhic and lifnei-meshuras =-hadin implications.
As you asked my opinion, I humbly concur with the Gemorah cautioning us that many tried the way of Rashbi and did not succeed.