I don’t think anyone has to (nor should they) do an analysis of the viability of a frum institution/community/common practice. There are always other factors involved on the macro level that we cannot possibly assess, i.e. zechusim.
I’ve heard people saying XYZ cannot last – and they’ve been saying it for over 40 years – but it is still around.
If you want to decide on a micro level (e.g. I cannot stay in kollel anymore or I can only give this amount of money right now), that is something everyone should think about for themselves. But to evaluate the institution of widespread kollel learning as a whole? Don’t bother.