Too much work. Waiting on line for bread is cool and there is no obligation.
LOL - for some FedGov workers that’s right on. They don’t want to take 15-20 minutes to fill out a payday loan application (or they don’t know how to) and don’t 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!