If under the same circumstances, these rabbonim and R”Y wouldn’t join, as you imply, it would be hypocritical.
Thats a big if. Two different people are never in the same circumstance. I think the undersigned see some value in it for some, but arent insisting people pay up, or saying that this has any kind of guarantee. Theyre in no way saying those who dont pay up are neglecting their kids or themselves, in any way, or erring in judgment.
If you have the money and you’re desperate and you want to try, try, is what it sounds like to me.