So you would advocate for a change in the “system” which would have boys starting to go out at 28?
Talui in the Rishonim there in Keddushin 29B. It’s really not for me to say what should be done in a situation where the bochur’s own family can not support, as Chazal and the Rishonim have already discussed it. I do feel the need to point it out as an option that at least some (and possibly Amoraim) endorsed.
Yes, I think it behooves any young lady to be realistic, and not limit herself to go out with boys who would not want to go out with her.
As famous shaddchanim are known to say, the number one thing that a girl needs to get married in this society is lots of money. That’s just the way it is.
So if you and I agree that money is causing the shidduch crisis, and you suggest (and I agree) getting rid of money will only make things worse, how would you suggest breaking out of this catch-22?