I know a Baal Teshuvah who took two years away from work to study in yeshivah.
He paid full-tuition, using his money ONLY.
So his total expenses were: two years of full-tuition PLUS the amount of money he lost by not working for two years.
If an FFB did something like this, he would be respected as a tzadik.
But since this person was only a lowly Baal Teshuvah , he gets no credit at all.