Ofcourse-
I suppose it’s like any course of life; may regret that they didn’t join kollel. And some doctors wish they became lawyers, and many businessmen wish they were plumbers. Or toenail cutter import/export professionals. Just because some people regret their path doesn’t invalidate it.
Everyone has their unhappy campers.
Certainly, it’s not for everyone, or even the majority of people, but it is possible, a young avrech has a fiscal plan, and works accordingly, and his wife is willing to work hard – and he is a successful learner – it can be done with drastic money. Perhaps not in lakewood, but it can be done. Your experience seems to limited to your relatives, and I don’t suppose we should stereotype the entire kollel world based on that. I have seen couples be very successful without major support.
I know of one Avrech who lives on around $2,500 a month in eretz yisrael. His wife works in computers for Bituach LeUmi at the tune of 9000 shekel a month, and the rest he gets from his Kollel. Is that above average? Certainly. Does it happen? Yes. Is it possible? Yes. Hard as heck. Definitively.
Does a girl have a right to say “no”? Of course! More then that, if the yes isn’t a burning one, I would also think another life path was necessary.