I agree.
It is a personal choice and circumstances vary.
In general, I have no problem with a safety net for the truly needy and deserving.
Our problem is that the safety net has been perverted by the government into just another wealth redistribution program.
There is a world of difference between someone with a legitimate disability and an able bodied whore sitting on her butt spitting out fatherless babies sired by anonymous sperm donors.
The same applies to able bodied people who are temporarily down on their luck as compared to those who game the system as a way of life.
If we eliminated all of the non-deserving moochers on the public dole we could take first class care of the truly needy and spend much less.
I talked to my pastor about this not that long ago when it came up on FR I posted that as Christians we are to be kind and helpful to the poor, but rebuke and avoid the slothful. He agreed with me so much that he ended up doing a sermon on just that the difference between the poor and the slothful.