No it's not because if a person earn a average salary of 65k euros annually he should pay a tax from 15% to 42 % and funds charity , church taxes other stuffs are depends up on you means it's your wish if you like to pay you can if you not then you won't after transport food rent everything you can still save 40k euros annually soo Don't worry about this type of reels study in germany and work in germany always worth .!!! 😊