Philosopher – I was referring to the litfishe system as apposed to the chasidishe system. Of course you will have serious guys and hutzkeners on both sides, the point is what the system is designed to do for those who take it seriously.
Learning after kollel does not address the issue, as whatever the amount of time he will stay in kollel, whether it’s 5 or 10 years, once he gets married his clock is ticking. The later he gets married, especially if he stays in B”M shiur long enough to get a mahalech in learning, he’ll stay in learning longer.
In EY they’re basically in kollel for life so this isn’t that much of an issue, hence the 21 age of getting married.
Referring to the kesuba, if the wife is mochel on any chiuv the husband has then he isn’t obligated anymore. Practically any case of the husband learning is only possible if the wife wants him to, so any talk of kesuba isn’t relevant
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