I get the impression that most people do not have an idea about  learning Torah. They see it is only applicable to people that want to use it to make money.

And I think that the fact that people in kollel use Torah to make money adds to this misimpression.

 But it should be obvious that learning Torah is incumbent on every person, and that no one should use it to make money. 

But while I am on the subject, I would like to suggest and offer here my approach. That is- I think people should learn in depth in the morning right when they wake up and learn fast in the afternoon when it is harder to concentrate.  So the morning should be like in the great Litvak yeshivot-- with staying on one page of Gemara for a few weeks. That is either in depth with Reb Chaim of Brisk or Rav Shach or the other great sages of the Litvak world [i.e., Birchat Shmuel, Shaari Yosher of R. Shimon Shkopf etc.] The afternoon for getting through Shas with Tosphot and Maharsha. Also there should be a few sessions in Mathematics and Physics-- to get through fast the basic material. [I mean to get through it,-- and then review.]