That's sort of the point of the whole exercise though. If you take issue with that, then by the same logic you could also argue that any attempt to help a pers

That's sort of the point of the whole exercise though. If you take issue with that, then by the same logic you could also argue that any attempt to help a person pay off debt is encouraging frivolous spending - after all, once the debt is repaid, the person has additional income available which they can spend on things.