Just how is a young person supposed to get his hands on a legal copy of EITHER 3DS Max, Maya OR XSI.
Pretty simple: They don't xD
I think the way most users of 3DS Max get a hold of a copy is via employer sponsorship - ie, your employer buys you a copy while you work for them. This of course requires having an employer who thinks you need it to do your job, in the same way that sales execs sometimes get given a car, phone and laptop.

There is of course the other method, which is people who are exceptionally good modellers with a "lesser" program making silly money from some suits, and buying it for themselves

This all requires mucho practice though, just like any technical art - grab a copy of Blender and practice til your fingers fall off

Also a degree n stuff would probably help... but I'm not exactly an expert on that sort of thing >.>