It is pashut that it is a community thing. A 10-member kollel is part of the necessary infrastructure of a kehilla. That does not mean that everyone is chayav to be one of those 10, otherwise, where would we get the toen and the nitaen?
yitayningwut: I disagree. We all know talmidei chachomim who either work for a living or are retired and made most of their kinyan torah while working.