The really prestigious fellowships do have tons of stipend money available. The lesser ones do not, but their work is just as important.
There are about 10,000 families in Lakewood. There are, at most, maybe 10,000 other kollel families throughout America. In the meantime, much of the money used for these massive government entitlements go to slum areas. Ask any residential real estate manager about the renters with 3 or 4 SUV’s, fancy gadgets, etc, but are on every program. The kollel families are not the reason your taxes are so high. By getting from the government, they are able to make ends meet without getting a higher stipend from the Yeshiva. Let them be.