> then clearly they need some sort of help beyond the financial I'm not sure what you mean by that. They need help, and that help will almost certainly cost mo

> then clearly they need some sort of help beyond the financial I'm not sure what you mean by that. They need help, and that help will almost certainly cost money, regardless of whether you're giving them money, products, services, etc. Because the help will cost money, there will almost certainly need to be means testing.