Adding 'need' criteria is likely to add bloat, expense, and hoops that people who _do_ need it will not always be able to jump through. Better to create an emer

Adding 'need' criteria is likely to add bloat, expense, and hoops that people who _do_ need it will not always be able to jump through. Better to create an emergency benefit with as little bureaucracy and paperwork as possible, even if it means that some people that won't feel the impact will still benefit. We get so caught up in keeping benefits away from the wrong people that we end up simply not providing them broadly enough. It's counterproductive.