The same thing happens with university: For the FAFSA students are expected to contribute 95% of their savings before benefits kick in. So this punishes studen

The same thing happens with university: For the FAFSA students are expected to contribute 95% of their savings before benefits kick in. So this punishes students who save their money, and rewards students who waste it on frivolous things. Then there is the "spend down" for Medicaid. Same story - you need to waste your money before benefits kick in.