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"First, in actuality, the custom of bochurim not wearing a Tallis Gadol is recorded as a Shaila TO the Maharil from an individual who says that in a certain community, Talleisim were not worn until marriage. The Maharil does not say not to wear a Tallis, just simply that the Shaila quotes this custom (Sefer Maharil, Minhaghim -- Hilchos Nisuin, Siman Yod). The B'Nai Yissaschar says that Al Pi Kabbalah, an unmarried individual should not wear a Tallis since wrapping oneself in a Tallis is equated with "Or HaMakif" which connotes Simcha and since an unmarried individual is not on a Madrega of Simcha -- See Yevamos 62b, a Tallis is not worn. (Heard from R' Yissachar Frand).I *suspect* that the kabbalistic reason developed after the actual reason, as happens other times in halacha. But one that reason is in place, I could see people using it as justification for not abandoning their present minhag.
The custom stuck in Ashkenazic communities not to wear a Tallis, but Sephardim and Yekkes do wear a Tallis.
As the Poskim write in many places, Minhaghim should not be tampered with."
Here, btw, is perhaps a better write-up, from Virtual Bet Midrash:
In obedience to a widespread minhag, many Ashkenazim do not wear a tallit until they are married. This custom is mentioned already in the Maharil (Hilkhot Nisu'in), in the Tashbetz Katan (462), and elsewhere. "And thus are those of the kingdom of Ashkenaz accustomed to act, and they have Scriptural support from 'Make for yourself fringes on the four corners' (Devarim 22:12) which is adjacent to 'If a man take a wife' (Devarim 22:13)."
However, there are many who are puzzled by this minhag. "It is a very perplexing thing - that until one takes a wife he should refrain from fulfilling the mitzva of tzitzit?" (Shiyarei Knesset Ha-gadol 17:2, cited in Ba'er Heiteiv 17:4). In response, some gave practical reasons for this custom (e.g., early marriage, lack of money).
One could bring a support for this minhag from Kiddushin 29b: "He saw of him that he did not spread a cloth..." To be sure, the gemara may be explained in a number of other ways. See the Ba'er Heiteiv 17:4 - how did the Magen Avraham understand this gemara? How else may it be explained?
In any case, even those who do adhere to this minhag do so only with regards to tallit, not with regards to tallit katan (Elia Rabba 17:3, and others), which deflects the criticism that one who does so is neglecting the mitzva of tzitzit.
There are those who would like to uproot this minhag (Yechaveh Da'at vol. IV, 2), while on the other hand there are many who vote to perpetuate it, under the banner, "The minhag of Israel is Torah" (Bnei Yissakhar, Tishrei, 13, 12; Leket Ha-kemach Ha-chadash 17:19; Ketzot Ha-shulchan, 7:7).
Minhag ashkenaz originally WAS to wear a tallis.The German Jews start when a little boy starts chinuch,long before bar mitzvah. Go to a German kehillo,and you will see the little boys and all males wearing talleisim. They also have the original minhag of using a talis under the chuppa to cover both the chosson and kallo.This was the original chuppa.
The tallis was draped over 4 poles held up by the men and the chosson and kallo stood under that. From that minhag,it became a minhag to only start wearing a tallis after marriage.
If someone never wears any 4-cornered garment, how is he neglecting (violating?) a Torah mitzvah that if you wear a 4-cornered garment it must have tzitzis on it?
Perhaps the only thing he cannot do is gather all 4 tzitzis into his hands while reciting Shema? And lacks the benefit of seeing the tzitzis and being reminded of all the mitzvos?
Min haTorah one would not have to ever wear tzitzis,as long as he never wears a 4-cornered garment. However,the rabbonon require that we wear 4 cornered garment every day and put on tzitzis. On Shabbos,one must be sure that it is a begged that covers the major part of the body and the tzitzis must be kosher,otherwise there would be a problem of carrying,hotzo'a and muktza.