I know of one family that I foresee this very outcome in. They cut back to part time work so they could pioneer. They were janitors and sales clerks to begin with. They gave up cable TV (sounds like no Internet, either). They cut back their means of life, and their expenses, to the bare bones so they could all pioneer. The father is in fact the lead hounder in our congregation, and they are all pioneers including two grown children.
One day, they are going to develop health issues that prevent them from working (one of the children already has migraines, probably aggravated by the Pioneer Diet of Big Macs and TV dinners). Diabetes and heart disease run in the family. Eventually, they are going to have to retire, and they are putting next to nothing into Social Security. Obviously, they are saving nothing since any "surplus" money goes to the Worldwide Pedophile Defense Fund or to host some runts and brats that they happen to be close to (only JWs).
I wonder what's going to happen to them when they get near, or above, 70 years of age or develop serious health problems and the money goes bust. They are going to have major problems with finances. The kids are not well off, and would not be in a position to assist, since they are currently relying on part time income from sales clerk jobs to assist the family. They think they are going to get anything from me--not after they told me to just meet other men at a$$emblies! And, with gas going up from the 99 cents a gallon it was then to more than $3 a gallon now (and maybe on its way to $4 or 5 if we go to war with Iran), pioneer service is going to drain their money that much faster.
I wonder how common this predicament is. I think perhaps 80% are going to have some intelligence and bend one or more of the rules (less field circus and more secular work). The ones that flagrantly break the rule against college might be a bit better off. I hope they have the common sense not to altruistically give this money to those idiots in the 20% class that follow the Tower to the letter, no matter what. I would rather see the Tower start losing lawsuits to that effect, when a few of them sue the crap out of them.