As a follow-up and case in point:
In EY, in order for a girl to get married (in the charaidi circles), her parents must (from my limited understanding) buy an apartment for the young couple. Obviously, one who has been learning for their entire life (or even working, unless you have a trust fund) can not afford an apartment. But the other side of the equation, not marrying off their daughter, is unacceptable as well. So what to do?
They RAISE the money, mostly by going door to door in America. If they don’t do it then their child simply doesn’t get married. Simple consequences from non-action force the parents to do something for their children, instead of expecting everyone else to pick up the tab. The same idea can be implemented here as well.
Of course there should be exceptions for people who lose their job and the sort, where Gemach type loans would LEND the money until a job is found (with collateral, like engagement rings, homes, etc.) and they are able to repay, but it would not be systematic like it is now.
CV anyone should find themselves in such a situation, and Bezras Hashem no one should know of it. But if it were an exception instead of the norm, the community/yeshiva may have the wherewithal to absorb the exceptions.