The fact that the people arguing against this spend less time arguing against the massive spending increases for the american military is a pretty big hint that the central point is "I want to punish my fellow american, I want them to hurt." and not the actual money amount. They don't care if it's $10,000 or $1. "Personal responsibility" is largely a dog-whistle for "if your situation is bad, it's your fault and you deserve it. FYGM."