I wouldn't go after a PhD unless being born into a rich family (with a potential fall back). Otherwise its a ticket to an early grave and or lost earning potential. I've encountered a few colleagues who are beyond gifted in what makes them survive the trial. I had a roommate finishing his masters and going for the PhD afterwards. Guy was making bank by prostituting himself to women every few nights. Slept till noon before going to work on his research. I cannot imagine how hard it must be if someone is pursuing the degree without any wealth helping him/her out. I doubt scholarships would be much if any relief. I definitely can see persons ending up in psych wards or taking their life if it becomes too much.