Avira, as I am not always up to detail of kollel lifestyle, you have outdated info about working yidden: a day of 9 hours working and 6 hours sleeping leaves 9 hours daily, that may or may not include – 2 hours of learning-while-driving; 30+30+15 minutes of the minyan; 1 hour learning w/ kids maybe while eating dinner or driving them; there are 4 hours left for learning at kollel. This is not counting 18 extra hours per weekend and vacations.
That said, I agree that full-time work is overkill. A real baal middos should work maybe 4 hours a day leaving plenty of time for learning & chesed. This would be Rambam’s middle way, but I do not know people who follow it.