Derech HaMelech: I agree with you 100%. Someone who has a parnassah has no need to learn any of these things.
On the other hand, someone who does not prepare and has no parnassah has no right to ask (they are not asking, they are demanding) for a handout, especially if they were offered the opportunity to prepare.
As Chazal said: Ezehu Chacham Haroeh Es Hanolad.