kiruvwife:
They seem to do a good job of “when you marry a kollel boy”. If not them, start with Beis Yaakov, I’m willing to spread the blame. Also blame the boys yeshivos that teach that having Gelt is a Mayylah.
As per the second point, there are plenty of rich girls who also don’t have shidduchim. In those cases, it may be the issue with the boy, or the small number of boys who are willing to eat breat & water for the sake of learning.