Joseph,
1. People who sit in kollel when they should be working are hurting Am Yisrael by spreading the limited cake of kollel stipends among too many people. Thus, many who do have a future in Torah are discouraged and go to work and those who do not fail to do what they were put in this world to do – in which case they will have to come back and try again,
2. The Chazon Ish says that bitachon is not standing in the middle of a highway and trusting that you wiln not be hit by a car. it is doing hishtadlyut and trusting that whether it panned out or not is good.