Too much work. Waiting on line for bread is cool and there is no obligation.
LOL - for some FedGov workers thats right on. They dont want to take 15-20 minutes to fill out a payday loan application (or they dont know how to) and dont want to pay them back when they get paid again! Getting free food is easier for them than being responsible and getting a quick low or no interest paycheck loan so you can still pay your bills!