Itzik, just briefly, why in the world do you take it as a given that chareidim should have other options besides kollel or army? Granted, if a boy is learning, then possibly one can argue that the zchus Torah protects the state, and he should not have to serve. So the state gives him the kollel option (Toraso Umanuso). You now want to come along and say that even if a guy is not learning, but is wearing a genuine black hat, that is also a valid reason for him not to serve in the army, and he should be entitled to all the benefits and opportunities of those who do shoulder the burden? (Black Hat Umanuso?)
The solution to chareidi poverty is very simple, then, according to you, just go to the army, and make a nice living afterwards. As far as Lo Matim, I do not know anything about this status, but I doubt that if the state paskens Lo Matim with regard to some individual, then that indivdual is ineligible to go to college or work. Certainly would not make any sense or be fair. (Same for individual with a physical disability who can’t join army, I highly doubt that he is not allowed to go to college or work for the rest of his life.)