Dear Always,
Your argument seems to add up to that the working people should learning more. Both during their work and by taking off more.
Most Kolleliet do not learn enough today. Money is not the primary factor for people leaving kollel. Those that do, are unusually saintly yeshivaliet and yearn to be back in Beis Medrash the rest of their lives.
You seem to value making money much more than I do. Maybe that is the crux of our debate here.