Fistful and HTG, this is an honest question: do either of you have any actual job or volunteer experience working in social services, or healthcare, or is this all just theoretical for you?
I've volunteered with local charities. I've worked through several different churches over the years. I've worked in professions that placed me into the homes of many people living in poverty. I lived right at the poverty line myself for a couple of years when first starting out. I've tried, and mostly failed, to help a few close friends overcome serious life problems.
I know a thing or two about what I'm saying. Believe it or not, my disagreeing with you is NOT the result of complete ignorance on my part.
My experiences inform my opinions, I've seen what works and what doesn't. The biggest lesson I've learned is that third parties can't really help people with their personal problems. People must help themselves. You can't do it for them.
What works is people making a serious choice to change their lifestyle* and behavior, and then sticking with it come hell or high water. This seems to work no matter how big their problems and how great the setbacks along the way. You can't keep people down once they start making the right choices.
What doesn't work is just about everything else. Among the many ineffective solutions, and apropos for this discussion, is throwing huge scads of money at the problem. You can't spend your way out of this sort of mess. Lord knows, we've tried. Without that commitment to change, all the money that we spend will be for naught.
Where does this idea come from that society's problems can be solved simply by spending lots of money? We know this is ridiculous if applied to our personal lives. It's practically cliche to say "spending money won't solve your problems". Yet somehow people think that what doesn't work for us as individuals somehow will work if applied wholesale across the entire country.
I understand why the politicians peddle this garbage. They're trying to buy votes, they know the score, they don't actually believe that they're solving problems. But so many regular folks buy into this stuff. How can people be so naive?
FedGov is not in a position to provide effective help for people like this. FedGov doesn't have the right tools available, doesn't have any core competency in addressing these issues, doesn't have any understanding of these problems, lacks any sense of moral authority for convincing people to change and how. FedGov is a really, really poor choice for attacking these problems. The only thing FedGov can really do for social problems is spend other peoples money, and spending money doesn't work.
* Knowing how some folks react poorly to any mention of personal responsibility, I will instead use warm fuzzy euphemisms like "lifestyle" and "choices" and "behavior". It all means the same thing, but hopefully we can abvoid the baggage some have attached to the basic concept of personal responsibility.