Man oh man do you have some strange ideas about graduate studies. You get money if you are academically talented and graduate schools are competing for you. Sometimes I just shake my head.
You are absolutely correct. I'm finishing my Master's degree right now. I got a stipend of about $21,000 a year and my tuition, fees, and student health insurance paid. Plus I got scholarships and loans. I don't know what this chick is talking about.