You can make a very good parnassah without college.
Learning full time is NOT only for the top of the top. Ramabam say anyone who WANTS to join Shevet Levi (full time learning) can do so. Sechar Limud Talmud Torah is received for the EFFORT, not the results.
If a person is working full time, also, any minute that is wasted that he should be working, and anytime he is not working to full capacity is geneivah. You should also then personally believe that all EMPLOYERS should have time cards and capacity tests, and those who don’t live up to their responsibilities or required knowledge should get fired, based on your comment.