a decent article on parnassah

 https://darchenoam.org/shavuot-choosing-a-profession-torah-considerations/

key points:

1. For some, the absence of productive work, even when involved in Torah study, can lead to depression and aimlessness. Certain personalities need work, with its concrete results and active involvement, in order to avoid frustration and despair. If some people do not have the eight hours of work they will not do the two hours of learning. As the mishna in Ketubot says, “Inactivity leads to dullness or boredom.” A professional man was presented with the option of early retirement and wanted to begin, after working his whole life, to learn full time. He consulted with Rav Yaakov Kaminetzky zt”l who, knowing the man, advised him against it. The openness and unstructured nature of some yeshiva frameworks can be counterproductive for the underdisciplined. Combining a late minyan, a leisurely breakfast and an undisciplined seder, a weaker kollelnik might drift into laziness.
2. The poverty that sometimes goes along with a kollel life can hurt a person. In Silver Spring four or five people a day will sometimes visit, collecting money for themselves. Though initially they chose the kollel track to maximize their learning time, they end up spending months on the road trying to get together money to marry off a child or, sometimes, even to support their families. A tragic situation has developed, of intergenerational poverty, of a community without an economic base.
3. Economic self sufficiency – relying on none other than G-d Himself — is considered a positive Jewish virtue. As we pray every day in Birkat Hamazon, “Please, Hashem, let us not be in need of presents from flesh and blood.” The flip side, getting paid for Torah, is considered morally and spiritually problematic. As the Mishna cautions and the Rambam echoes, the Torah should not be made into a “shovel to dig with”. The Kesef Mishneh and others justify the widespread practice of accepting support while learning and teaching Torah – maintaining that they get paid “sekhar batala,” payment to refrain from doing other things. The modern kollel situation seems to have gone a step further, not only justifying a deviation but redefining a norm.