I get it Monica....think you were reflecting on the complexity  of asset allocation 
/spending  decisions

What is difficult it seems to me is the range of "income inequality" where some folks have so much and no apparent fiscal problems and so many don't

I live in an affluent community and worked in the inner city. I would drive home and regularly experience severe culture shock....my poor husband would say on our way to some event and I quote: "You know _______,it's not necessary to share your every insight etc from your work".

And that was a long time ago and the inequality is much larger.

The question posed here was does govt aid weaken moral fiber? In the world I worked in govt aid was a safety net and the streets were the next location...Moral fiber was an intellectual luxury!

The challenge I see is to develop a system where the safety net is effective and education and training are available to move folks on....

And that requires  a "political will" that is clearly absent.