It all works fine for witnesses in their 20s and 30s, who are in good health. Run your own little cleaning business, with the added benefit of keeping a lot of that earned cash off of the governments radar. I'm sure we all knew plenty of JWs who under reported income.
But all good things come to an end. Exactly as you state Hoser, once you hit your 40s things start to break. No retirement accounts, no home ownership and you are at the mercy of your housing market which could really put you in a bind. And of course come retirement time all that unreported income back in the day means lower social security checks here in the USA.
Truly the best way of life!!