Gimmick-sama
This is Kawaguchi Hidetoshi. This is my humble answer to the question.
Buddhism aims at profit (riyaku) by eliminating people's hesitation and suffering, and of course it is not aimed at financial gain (rei).
Originally, the original way of being a monk is not to own anything that is the object of worldly obsession, and not to have anything more than the minimum necessary for ascetic practice.
The reason why such monks were able to maintain Buddhism from the reign of Shakyamuni until Nalanda Monastery was largely due to the protection of the nation and the presence of trustworthy clients.
Of course, even if there is no big client, it is possible to cover the minimum amount of living through alms, etc.
However, in the midst of changes in the times and society, it is truly unfortunate that in terms of the way monks and temples are supposed to be here in Japan, since the temple system was established according to the national (shogunate) policy in the Edo period, there are places where that custom remains in a conventional manner even today, and originally, things that are supposed to be optional for donations and maintenance fees (membership fees) have become semi-compulsory.
Under such circumstances, it is possible to ask questions, but I would be happy if you could make use of precious Buddhism as Buddhism in your life.
Also, if you still feel that there is a problem with the qualifications of monks and temples, apart from Buddhism, I also know that it is important for the preservation and survival of Buddhism, as a single family, to work on what you can do and receive corrections so that the question can be solved as much as possible.
If you don't mind, I would be grateful if you could do what you can to make corrections.
Kawaguchi Hidetoshi Gassho