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Ever visit section 8 housing? Not a pretty sight, and most landlords won't accept it. Welfare programs do not encourage work whatsoever. Thank God for the 1996 reforms that put a permanent 5 year cap on lifetime benefits and work requirements.
Your anecdotal critiques are based on systems currently in place in the US. And to that extent, I agree that social safety nets in the US are abysmal compared to the rest of the developed world.
Your premises don't pan out with the empirical evidence in the rest of the world though. If your hypothesis that "welfare programs do not encourage work whatsoever" were true in general, we would expect to see nations with extremely robust welfare states like Norway and Finland also experience proportionately higher unemployment rates. Instead, Norway has dramatically lower unemployment at 5.2% compared with 8.4% in the US. Finland also has lower unemployment at 7.7%
Both countries also happen to be kicking our ass by nearly every standard of living metric.