Im ein kemach, ein Torah.
All Chazals, such as Im ain kemach ain torah, just means that if you have no food, you cannot learn. Other Chazals say that if you have no food and you try to learn anyway, you will end up having to steal to eat, and what good is that. None of this has anything to do with Kollel. If you are supported by your parents, in laws, Yeshiva, or wife, you are not in a situation where you have to steal, and you have fulfilled the Chazal.