No, good point. Let me rephrase a bit:
Money is worth different things to different people and so is seminary. But in the context of someone who 1. Doesn’t have much money and 2. worked very hard to get what little money they have; I think it’s unlikely to be a financially prudent decision based on beneficial analysis of what money and seminary are worth to that person. In such a case, a decision to spend the money on seminary is likely based on some sort of undue or unhealthy social pressure.