Yes, you could have a smaller overhead with a large amount of fraud and a lot of exclusion of people in need but you can also have an enormous overhead, still h

Yes, you could have a smaller overhead with a large amount of fraud and a lot of exclusion of people in need but you can also have an enormous overhead, still have some fraud and still exclude some of those who need it the most. End of the day you cant measure need. If you have 2 people with migraine, back pain and some problem in their social lives there is no way to calculate or compare their situation fairly. (both are better than what we have)