Exactly. If the government paid Hubby and me each $1000 a month in addition to our other sources of income (pension, etc.) I’d quit working. My daughter was talking to a woman once who believed the government should give everybody in the country a place to live and enough to eat all free. Daughter asked “why would I work if everything is provided free?” The woman could not comprehend that. She thought people would continue working to “contribute their share.” My daughter just laughed at her.
That kind of thinking goes back at least as far as Rousseau who basically thought all people would good and that all people would do the right thing if you just gave them a chance.
Rousseau (and his modern day equivalents) have failed to understand human nature. But it sounds like your daughter understands it just fine.