Irrelevant and narischkeit. We are talking about people who choose to learn full time after marriage. 27 is about 5-6 years after marriage, long before any major financial burdens set in. Kollel yungerleit in Israel aren’t poverty stricken because they can’t work until 27, they’re poverty stricken because they choose not to work even after 27.
In all fairness to Joe, you need to take into account the age that these children get married. If in Israel the child gets married at 17-18, by the time 27 rolls around the child may already have 8-9 children themselves.
It is very similar to the inner city culture and how those who are teenage mothers have no ability to pull themselves out of poverty, even if they do “work”. Same here with teenage fathers who have no skills. By the time 27 hits it is too late to start learning what they need to get a job. Easier to stay in Kollel and ask others for help.