DWV, statements like these are what cause me doubt.
1. I'm not responsible for other people screwing up - assumes everyone in need is there because they messed up.
2. It's not my fault if you can't make better decisions to improve your situation - assumes everyone in dire straights are there because of bad decision making.
3. People in financial trouble are there because they overspent their means - more assuming.
You seem to only want to focus on people who **** up, and therefore it's not the goverment's responsibility to help them. In the past few pages I haven't seen you mention anything in regards to those who end up in tough shape simply because of a bad luck of the draw. Or how, we as a society, are responsible to help them out via social programs and the taxes we pay to support them.
Your overall negativity towards anyone who requires assistance over the course of the discussion is what turns me off.
You need help? It's your own damn fault.