Mrs. Tzippi:
What “Everyone i assume would agree in terms of needs (money..) its much easier to learn”
Means that it is easier to live on MOFES (Medicaid, welfare, food stamps & Section 8/ HUD) and not pay tuition, get breaks on food, etc. since you are in Klei Kodesh than having to pay tuition, and have to work for your food (the curse of Adam).
In addition, most people who work (in the USA) have to deal with the commute, early fridays, Yom Tov, staying late for deadlines, co-workers, limited sick days, and most of all a resposibility to do the job. All of these do not exist in Kollel (except for some Kollels that have tests)(they do if you are a Rebbe or a Rav).
So yes, it is easier to live in Kollel (especially if you have the shver supporting) than it is to work.