SJS–I try not to be the debate type. As long as people are on their ladder of growth and going upwards that is what Hashem wants to see. Harbei D’rochim Lamakom—as long as people are intellectually honest, get the proper hadracha, and actually have a derech to come closer to HKB”H, thats what matters.
I can hear what you’re saying that kollel is a luxury–when I took time to chew on that idea, I thought back to moments I savor and live over in my minds eye when we were exclusively in kollel. It was a spiritual luxury which is irreplacable. I’m doubting that’s how you meant it—but I do hear from your perspective what you mean.