For example, if your statement is true that people typically are doing okay, then temporarily not doing okay and thus use welfare, and then are doing okay again, how does that temporary assistance affect the society's belief over time about the government's role in their lives? The answer is that they learn to expect that government will cushion them whenever they hit a rough patch, hence it reduces the incentive to plan and save. This belief that we deserve to be rescued is fostered by government "help" over time. Why else would we have such foaming-at-the-mouth dissatisfaction about our situations despite there being larger nominal outlays for welfare currently than there ever were before in all of history? Because society is learning to become dependent on government.
Two questions right back atcha:
1) Should people naturally be motivated to live below their means, financially plan, and save?
2) Would people be more motivated to do this, or less so, if they knew nothing would be there to bail them out should they fail to do this?
Those are complicted questions. I understand the risk of dependency when people are given asistance. Yes, usually it is best if people live within their means and didn´t expect that others would help them when they didn´t have enough. On the other hand that can result in a hard, unrewarding life if people feel like they can´t take risks and are stuck within their limited circumstances. Most of us benefit from the assistance we get from our family when we are young adults. Without help from my parents I´m not sure I would have made it through college, an experience that help me develop skills, knowledge and better work habits which made me a productive tax payer. I´ve been poor and I´ve been well-off and I try not to forget that doing things like saving your money and going without luxuries is a lot easier said than done. When you are poor you feel like there may not be a tomorrow and
Many conservatives tend to minimize the help they get from their family and government and think that they alone are responsible for any success they have. A 100% self made person is very rare. We all depend on our government provided education, the roads, the laws and enforcement that make a civilized life possible. It is easy to see what happens when governments fall apart or doesn´t do enough in places like Somalia, India. I just finished a good book on Europe in the immediate aftermath of WWII, The Savage Continent The continent was rife with ethnic conflicts, violence, theft, starvation, rape and all sorts of coercion by those with the means. Despite some people´s fantasies, a couple of guns will not save you from an angry mob intent on destroying or removing you because you are the wrong ethnicity. Some of the most civilized people in the world acted like the people of Somalia or Iraq when the structure of their society fell apart. The comfortable, prosperous life we are used to in the USA is not possible without providing assistance to the people on the bottom and providing services and amenities for all.
The dangers of government assistance need to be addressed better to avoid the pitfalls you describe, but the idea that we can have a good society without taking care of those in need is a fantasy. There are no examples of a place where that has worked in the modern world.
Back to the original intention of theis thread, it is the responsibilty of employers of full-time workers to provide adequate pay to their employees, not taxpayers and the government. If we required that, we could greatly reduce the overall cost of providing assistance. Yes, we would pay more for goods and services, but the extra cost will be going to the workers who earned it.
Another note- another factor in some of these disgareements is that the whole concept of preparing and saving for the future makes me sense in climates with severe winters. In places with warm weather all year round there is much less need to do that. The world´s cultures are different due to their differing circumstances of climate. This needs to be taken into consideration when trying t change a group of people´s behavior.