?
First you say that money and seminary mean different things to different people. Then you say “…it’s [?] unlikely to be a financially prudent decision based on beneficial analysis of what money and seminary are worth to that person.” Given that money and seminary mean different things to different people, how exactly were you able to evaluate the financial prudence of the decision “based on…what money and seminary are worth to that person”? Do you know this person or something?
Also, how exactly does having less money and it having been harder to come by make someone less capable of making “financially prudent decision based on beneficial analysis”?
Finally: Can you explain how this statement
…you get to do all kinds of fun things that someone else pays for, while convincing yourself that it’s important for Hashem that you do it.
segued into what you have just explained?