Derech Hamelech,
First, as I’ve said, learning Torah is NOT a luxury. Sitting all day and learning in Kollel and relying on others to feed your family is a luxury.
While its a nice concept that learning takes care of people, we also have to live within derech hateva. That means I have to do my hishtadlus to take care of my family.
So I choose to give my tzedaka money to the kids who are hungry. To the people who need medical care. To the disabled and the elderly who lack others to help them.
I think the biggest problem with Kollel society today is that they neglect hishtadlus and say “Hashem will provide.” Since Hashem will provide, Kollelim clearly don’t need my money right?