Fein un – you misunderstood what I said. When I said hashem needs to place you in the nisayon i did mention circumstances which include not being cut out for learning, need to earn a living etc. Those circumstances are hashem sending you the nisayon. Oomis seemed to be saying (unless I misunderstood her) that no one should learn in kollel but instead should go out and get a job and learn when they have the time because “then their learning is worth more”. I do not think that there is anything working if need be.
With regard to your first point, that is a totally different discussion. Of course every aspect in life comes with its own individual nisyonos. But, BTW, most paying kollelim are not something everyone can into. And I assume their criteria includes whether the people are really learning or not. Many people end up in Lakewood and are not serious learners are out of kollel by the time they are elligible for a kollel check. (I made that fact up but given the # of years you need to be there it makes sense). Also the nisayon is no different for a working guy. Just substitute kollel check for paycheck.