Lakewood only cares about money- The Oilum are just pawns used to help them get it "all on the expense of your backs".
The meager kolel check is a pay-off to shut-up.
btw-it's your money they got in loans (you are obligated to pay it back), etc and they are returning only some of "your own money" to you.
You will pay it back twice-and you have to grin and bear it.
you are ahead, with no checks, no loans, etc.