4- Hockey is hella expensive. Quebec is not as rich as Ontario or Alberta and it's even more accentuated outside the greater Montreal and the Quebec city region. Having a kid play AAA is just so expensive
I am not involved in youth hockey, and I live in NYC not Montreal (I do have family there & visit often). I believe there's another item: the lack of playing space per capita. Of course, this interacts with the economic issues you discuss, and it definitely interacts with player motivation - I'll explain.
I coach youth lacrosse in NYC. Lacrosse is expensive relative to other sports, but not nearly on a level with hockey. But not only is it difficult to find field space for practices and games, but players do not have easy access to places to practice on their own - no backyard rebounders, or nets. When we play other city teams, we go up against a combo of pivate school kids who have field advantages, other teams just like ours, and teams who look to intimidate. When we play suburban teams we get crushed (not physically, because of better skill + better numbers). So if we win 2-3 games a season (vs 7-10 losses), that's a decent showing. It takes a mature kid to take that in stride.
I imagine much the same happens in hockey. An urban youth team has to compete for icetime with all sorts of rec leagues, higher level leagues, and other youth programs. Then they face off against a suburban team who gets double + more icetime, and they lose by a lot.
And what's their goal, anyway? My kid wants to play in HS (and the only way that will happens in NYC is through strong academics), and if things go really well he may have a chance to play D3 in college. But none of that has a direct impact on his future ability to navigate the world, or make a living. (I strongly believe, of course, that the kind of thinking and attitude req'd to be a team player does translate to other areas, but obv not in the same way as playing for money or scholarships.)
I would not be surprised if people play hockey with similar sets of goals in Montreal. There's a lot of love for the sport, but It's a completely different mindset. And I'm saying that because despite the language, no place feels more similar to Brooklyn to me than Montreal right down to the big park on the hill, to the cemetery on the slope, to the crowd of parents hanging out after work with their kids sharing field space with other families.
And this is all, btw, from the pov of a relatively privileged person. But we sure as heck would be struggling if we only had a single income.