>Test also cost money and you could find yourself in the middle class trap where you are too rich to get a waiver but too broke to afford the test.
This test in particular is only $60 even if not subsidized, so it's hard to believe anyone who doesn't qualify can't scrounge up enough for at least the one attempt. However this is a real issue with financial aid as a whole, just 10-20k more a year can have a negative impact on what scholarships/financial aid you can receive, and that can easily end up at over six figures of 'lost' aid.