Just to build on your question ANONANO, WHY do we expect boys to learn in Kollel until they are in their 30’s? Why do we expect boys to learn in Kollel at all?? What ever happened to the concept of supporting yourself and your family. Kollel shouldn’t be mainstream!! It should be for a few, exceptional people who are the next Gedolei Hador, as it’s been for the past 2000 years.
(I’m going to stop before I lose it.)