It’s callous to not give people free money, that you took from other people?

Is it callous to throw criminals in jail? Is it callous to expect people to save money?

Maybe principles, morality, and justice are callous.

What a pointless comment. It's much more nuanced than giving people free money. Next you'd be saying it's not callous to not help someone out of a burning building unless they paid their taxes for the fire fighters.

The parent comment is an equally pointless call for sympathy with no substance.

To educate people to take responsibility for their lives? Yes, I think that's the right thing to do from a moral standpoint. People deserve freedom and deserve empowerment. I think it's morally wrong to have forced guardianship of adults.