DY: L’shitascha, it is just “laziness” that people don’t pool together money to hire a Kollel guy to teach their children. Mah Shein Kein by travel, where the Rebbe in some way or fashion has to be brought to the talmidim, so it is a necessary expense. If the Mafia foced you to pay extra for a specific yeshiva vs. some other option, that (IMHO) would not count either. Perhpas it would if they made you pay to be able to have any form of Limud.
Just because someone makes you pay it doesn’t make it “necessary”.