This is a very helpful comment thanks for posting. However, I would posit that financial incompetence is something we can avoid by removing financial barriers t

This is a very helpful comment thanks for posting. However, I would posit that financial incompetence is something we can avoid by removing financial barriers to decent food. If a child wants a snack, and those snacks were free, then how good you or your parents are with money wouldn't matter. We can implement systems that don't rely on individual competence to achieve end results we want in that vein. As for the homeless, I would posit for that 20-70% with behavioral issues, we can start at least by offering medicare for all so their symptoms can be treated. Secondly, for the 80-30% who are merely unhoused, the solution for them works quite well!