All of this stuff sounds great from an academic perspective, but life is not simple. There are people who given a couple of thousand dollars a month, will throw a bag of potato chips and beef jerky at their kids and buy some booze and a Mustang on a 7 year, 18% APR payment plan.

You cannot make an alcoholic stop drinking. They need to make that decisions.

You cannot give people money and assume they will get out of poverty.

Money is a tool to solve problems, but it doesn't solve them, many people in poverty who end up on the dole need social and other supports.