I do not hold with institutions in general except in so far as they further their stated goals. Thus, the Litvak yeshiva world does tend to be sitting and learning Torah. But that seems to be evaporating once the great Litvak sages from before WWII are disappearing. The more these great sages like Rav Shach or Rav Israel Kinyevsky disappear, the more the yeshivot become institutions to make money. It might be that nowadays the best one can do is not to depend on anyone else, but to get an Avi Ezri or Chidushei haRambam by Reb Chaim of Brisk and to learn at home, or any corner where one can find a private spot to learn. [There is a problem that comes with trying to mix religion and money. Sincerity goes out the window. Thus learning at home might be the only possibility nowadays.] [My impression is that yeshivot lay out the red carpet for if they think you or your parents have plenty of money, but all that supposed kindness dries up when you are in need. ]