Nobody is censoring those thoughts; it's just that those thoughts are well known by virtually anyone who's spent any time at all thinking about getting an MFA seriously. Pointing out something that everyone knows isn't helpful. It's just harping on basic information that's being presented in the most negative way possible.
For example, yes it's true that Columbia does not offer full funding and that paying their full tuition is very expensive. Is it also true that only a fool would go to Columbia? No. That is an opinion, not a fact. It also assumes that everyone will have to pay full price, or that any specific individual could not afford to pay that very expensive cost.
I didn't apply to Columbia even though it's within walking distance from my home because of the costs. However, I did apply to NYU even though NYU similarly doesn't offer full funding. I decided that it was worth applying to NYU despite the low odds that I could afford to attend because there are not many schools available to me that offer full funding and I wanted to increase the possibility that I would be able to grad school next year.
Result? I have been accepted to NYU with full funding and a stipend.
It was very unlikely that this would happen, but it did.
If I listened to your "truths" I would have cost myself a tremendous opportunity.
Just because something is unlikely doesn't make it impossible. Unlikely things happen, and any honest assessment acknowledges that actual fact.
Negativity and honestly are not the same thing.
I will continue to encourage people to pursue their dreams and passions and I still give them the respect to assume they understand that doing so comes with the risk of disappointment.