How would you know that you’ll be needing financial assistance 3 or 4 years from now unless you’re disabled or a psychic?
Most likely, these people have been on “financial assistance” their entire lives. They know nothing else and come to expect it. That is sad.
There was a time in my life when I did use it. I figured out, quickly, that you have to give up too much personal information and time to these bureaucrats. I didn’t like it. I didn’t stay on it long, even though I could have.