So what? The same argument could be applied to companies, and they all put out their hands for government money the instant this pandemic happened, and the gov

So what? The same argument could be applied to companies, and they all put out their hands for government money the instant this pandemic happened, and the government gave it to them (mostly, some small businesses did get screwed in that). The difference between a company and a person, is that when a company has lost everything, it shuts down. But when a person loses everything, they don't just shut down, they take action, and that action could be violent (especially if they're backed up by a mob of people in similar situations). It doesn't matter that these people didn't save properly, just telling them "Well you shouldn't have gone out to eat twice a week and saved that money, so you'd have three extra months to survive before you're screwed!" isn't going to make them sit and go "Oh yeah, guess I'm the screw up, I'm just going to sit on this street corner now and not bother anyone."